4 Work With Your Creditors

Fourth, contact your creditors and see if you qualify for a reduced payment or forbearance of some kind. Student loans will offer forbearance if you can prove economic hardship. Credit card companies can temporarily reduce interest rates, or reduce the amount you owe each month, though they may require you stop using the credit card. More

5 Remember Your Priorities

Fifth, 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. This order of priorities is essential if you are going to survive the next few months and come out ahead. Remembering your priorities throughout the month will prevent you from running short on cash towards the end of the month. Your budget and your priorities will help you manage your cash flow more effectively. This can help youdeal with fluctuating bills. You can also use these strategies to cope with being broke. You cannot operate without any savings, so be sure to include that with your plan. More

译文：

它可以被压抑而恐怖的意识到你没有赚到足够的钱来支付你每月的费用。这可能发生,特别是如果你有过分扩张自己的债务。它可以更糟的是,如果你正在支付预付借记卡与隐藏的费用。有许多迹象表明你需要赚更多的钱。这种情况需要立即采取行动,你应该尽你所能尽快扭转局势。管理一个不规则的收入可以很难从这种状况中恢复过来。你应该五步方法解决问题,并在这些领域同时工作。这可以帮助您摆脱生存模式的金融车辙和搬出去,所以你可以用你的财务成功。

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