Changes
→What do I put in my budget?
The next step is to work out your budget. Your budget lists how much money is coming into your household and how much you need to spend.
'''Income:''' List all the income for your household. Make sure that the amounts are realistic. Include all of your current sources of income:
:*pensions and old age security
:*GST refunds
'''Expenses:''' The next thing you need to do is list all your expenses. Make sure that the amounts are realistic.
If you have any money to spare, decide which debts are the most urgent ones, and which debts are less urgent. Pay off the most urgent debts right away. Then make a plan for how you are going to pay the less urgent debts.
==''What can the Credit Counseling Society do to help me?''==