COUNSELING

Counseling may be helpful to you. The best advice is to prioritize your expenses. Prioritize your bills and pay the ones that are most necessary for the well-being of you and your family, such as shelter, food, and utilities.

Protect your credit score. When you are experiencing a financial challenge, remember that making late payments or skipping them can seriously affect your credit score.

Develop a budget. If needed use a program such as QuickBooks or another planning tool to help you plan and budget.