How does the next paragraph end?

How to work out a repayment plan
Formulate a budget.
In its simplest terms, a budget is just a record of how much income you have vs. how many expenses you have. A good budget will track all of your sources of income (e.g., main paycheck, child support, side jobs, etc.
) as well as your regular spending (e.g., bills, food, clothing, etc. ) Contact your creditor as soon as possible.