credit cards, try seting up a pmt plan for the next 8-10 weeks, car payments, call finance company and see if you can get this next payment deffered to the end of the note, then have extra cash to get caught up on credit cards, perhaps if you have a mortgage, contact them and try to set up a bi-weekly payment, if anything, paying bi-weekly on your mortgage could help you save years off your note.

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