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Question By
Roro7413

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Income has been cut short ! Now I am behind on credit card payments! What do I do ?!
Usually, I am pretty good about being on time with my credit card payments, loan payments, and other bills. But just recently my income has been cut short. If I could just get one more credit card or loan to get caught up on my past due payments, I will be perfect. I already calculated everything I need, financially. The problem is just finding someone to provide a loan or credit card to me. What do I do ?

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Contact your creditors and see if you can work something out. You should have at least 6 months worth of income saved for such an emergency.

Obtain a part time job and/or cut your expenses.  Make all meals and coffee at home. A $4 coffee everyday, 5 days a week cost $80 a month. Plan and consolidate your driving trips to save fuel, adjust your home thermostat. No sense in running the heater or air conditioner while you're at work. 

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Reply by
DanskeViking

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Your math is off it would be 20 dollars a week. You would want your furnace set to about 65 if your not home because pipes freeze in the winter! Bad advice.

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Reply by
mindjazz

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Yes, coffee at $20 a week, 4 weeks in a month, which is $80 a month. I keep my furnace thermostat at 62 degrees when I'm at work. If it's freezing outside,  leave the kitchen/bathroom cabinet open if it's on an exterior wall, or you can wrap your pipes also. My advice is sound as well as my arithmetic.

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Reply by
DanskeViking

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I apologize, I messed up! No excuse, but just woke up and I wasn't functuning yet. I don't know how to apologise for that.

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