This is the first of several installments of advice to consumers with financial problems. This is advice is provided from the perspective of a repossession person who has seen many circumstances involving financial crisis.

This first advice is short but noteworthy.

Anytime your monthly expenses exceeds your monthly income, you have to prioritize your bills from 1-99 plus.
Presumably your house is number one and your primary transportation is number two. The reason for number one, I presume to be obvious. The reason for number two is that you can't pay for number one if you can't get to work.
From there, choose the priority items important to you... food, clothes, etc. then start paying down the list until you run our of money.

I know a there exists a hundred circumstances and reasons why you will say it is not that simple, but in the end, it is that simple. Some things will not get paid for and they might just as well be the least important things.

-Don Mashak
1st National Repossession