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During times of fiscal catastrophe, it's best to place a hold on any low interest except to prevent delinquency. Instead, prioritize in your debt which is accruing the largest number of interest. This means contributing more in relation to the minimum payment as much as you can on these accounts, and then prioritizing the next highest interest rate once that one is repaid. For any hope of having past a stage of crippling debt in your life, focus on cleaning up the most nasty interest rates in your debt portfolio.

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It is time to get actual. Redefine budget groups and compare how much was budgeted verses how much was spent. How realistic is the budget plan? The initial step will be to create a money plan. The remainder is just not a step, but more of a journey that is continuous. Work each month, and measure the strategy. Cash management is a continuous process. You hazard flows without it.