A decrease in pay or hours can quickly throw a wrench into even the most carefully structured financial plan. But it doesn’t mean you have to give up your dreams or suffer through money agony. It will take some adjustments and maybe some sacrifices, but with careful analysis and restructuring you can weather the storm and keep your ship on the right course.

Prepare for the New Reality

How to Make the Most of a Reduced Paycheck

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Preparing for a Financial Setback

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Cut Costs

Deal with Debt and Creditors

The Five-Step Mortgage Management Plan: What to Do if You’re Over Your Head

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How to Communicate With a Creditor

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Prioritize Your Bills: The Secret to Always Having What you Need

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