I don't know, if shit hits the fan you can change your utilities budget. Change your cellphone plan to a prepaid, take the bus instead of your car, eat ramen ev

I don't know, if shit hits the fan you can change your utilities budget. Change your cellphone plan to a prepaid, take the bus instead of your car, eat ramen everyday instead of going to the restaurant... But when you have debt, you can't just decide not to pay this month or you really get in trouble.