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This is the cheapest way if you repay within the interest-free or low-interest period.

You’re likely to need a good credit rating though to get one of these cards.

The goal is to make sure you can make ends meet on the basics: housing, food, health care, insurance, and education.

You can find information about budgeting and money management techniques online, at your public library, and in bookstores.

If you fall behind on your mortgage, contact your lender immediately to avoid foreclosure.

For example, what if interest rates go up, or you fall ill or lose your job?

If you can’t stop spending on credit cards, for example because you’re using them to pay household bills, this is a sign of problem debt.

Most lenders are willing to work with you if they believe you're acting in good faith and the situation is temporary.

Some lenders may reduce or suspend your payments for a short time.

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