Yep, The party’s over.
I hope it was worth it bcause there are bills to pay!
And there is an uncertain future.
But, you CAN take charge of your situation!
Make a list of your January payments and the total amount owed on each obligation.
How much cash is available today and will be coming this month?
If you won’t have sufficient cash for all obligations, can any be postponed w/o affecting your credit report?
Some obligations may have a large payment, but a small balance due.
Perhaps that balance due should be paid off.
Maybe you should take out a loan to consolidate two large payments into one lower payment.
I’m offering some thought starters that, hopefully, may be helpful.
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