If you are having a hard time paying for your basic expenses, it can be depressing and frightening. This can happen, especially if you have overextended yourself with debt. First, you need to find ways to reduce your expenses. There is almost always at least one more area that you can cut back in.
Remember Your Priorities. It is important that you cover your basic needs before you pay your creditors. This means that you have enough food to eat, a roof over your head and your utilities are on, then you pay your bills, and then you have fun.
Here is a short list to help you get through those tough times. In no way is it meant to be complete or the solution.
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