Contact phone company and arrange to drop contract to what you need not what you are contracted to. Yiu may have some penalties but it is going to sve you in the long run.
Speak to real estate and arrange to pay extra each week to catch up the arrears in rent. (sorry on phone so can't go back easily. If it is mortgage, contact bank and do the same)
Contact your utilities providers And ask them to help you sort out a payment plan that takes into account your arrears and future estimated usage. Set up centrepay deductions on everything yiu possibly can. Gas. Electricity. Water. It's easier to pay things of you don't actually get the money in the bank. Talk to the hardship teams from the utilities of necessary. They are there to help
Contact FAO and get contact details for local charities that offer financial/budget advice for free or minimal cost
Talk to your bank. Get them to see if there's anything they can do to consolidate all of your debt into one payment each week. But make sure it is a managable payment. Dont agree to something you can't manage with all your other expenses
Once you make the budget, stick to it. No extras. Account for all money. Anything left the day before pay day out into savings. It's hard. You have to be disciplined. And I know how damn hard that is (we are on one part time wage at the moment). Always remember you an sacrifice your wants (beer etc) on order to keep your heads above water. It sucks when you have to, but if that $40 a fortnight an be paid on your arrears rent for a few months, then it will help you out heaps. Even if he drops to a slab a month. An extra $40 a month can be a big step to getting you out of trouble...
Last edited by briggsy's girl; September 7th, 2012 at 06:48 AM.
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