If you’re reading this here at Debt Relief Dr., then you probably are already late with some of your payments. Maybe some collectors are calling you, putting the hard sell on you to pay their debt first. You’re worried and nervous about this - you’ve never had this happen before.

You’ve always managed your life well - finances, too. But, lately, with the price of gas soaring this summer, braces for the kids and huge home heating/cooling bills due, you’ve realized that there isn’t enough money to cover the bills this month.

Don’t panic. Before you can think through your situation, there are a few steps you must take to keep your household together, and to keep you healthy for the battles ahead. Trust me, you can win, if you don’t panic

• Always Pay Family Necessities First. This includes food, and unavoidable medical expenses.

• Pay Housing-Related Bills. Keep your mortgage or rent payments up to date. Pay taxes, condo or homeowners fees too.

• Pay the Minimum Required to Keep Utilities in Place. Make sure you and your family have heat, lights and water.