If you've done everything you can to cut your budget but you still fall short when it comes to paying the bills and covering your debt, prioritize your bill payments in the following order:

  • Rent (unless you plan to move)

  • Utilities

  • Car (if you need to keep it)

  • Mortgage (if you want to keep your home)

  • Fines

  • Child support and spousal support

  • Income taxes