Look at the records you have of your family's spending. Decide what can be cut, at least temporarily, until the present financial crisis is over. Stop buying on credit until you get all your present credit debts paid. Notify creditors and try to arrange a payment schedule you can stick to. Consider ways to bring additional income into your household.
Teenagers can do odd jobs around the neighborhood.
Sometimes a second job may be necessary until you are back on your feet. If you need outside help, discuss your family's financial situation with a consumer credit counselor, a member of the clergy, your family banker, an attorney or a representative of a social service agency trained to help families with financial problems. If that professional does not have a financial management background, chances are he or she can refer you to someone in your area who can help. In some areas of the state, the NDSU Extension Service has trained volunteers who can help with family finances. Your county office of the NDSU Extension Service also has publications, videotapes and computer programs that can help you to get your finances on track.