Take-Home Pay #1    $ * Take-Home Pay #2   $ Other Net Income    $ *Rent or Mortgage   $ *   Card #1   $ *  Card #2   $ Card #3   $       If you are concerned about debt, now's the time to take action: • Set financial priorities and differentiate between what you need and what you want. • Cut spending wherever possible. • Talk to creditors. • Let them know if you won't be able to meet a required payment date. • Ask about other payment options such as extending your repayment period. • Develop a mutually agreeable repayment plan. • Attempt to set up a monthly budget to manage your cash flow.