Bills Survival Kit Interactive, Bills Priority Order Tracker Call Scripts Monthly Review, What to Pay First When Money is Tight, Spreadsheet

✦ NOW INCLUDES a fully interactive 6-tab Excel and Google Sheets spreadsheet — priority order tracker, 12-month bill tracker with tick grid, all 5 call scripts with personal call log, monthly review checklist for all 12 months and your rights guide. All formulas pre-built.

The single most important action when you cannot pay a bill is to call before it is overdue. Every provider has a hardship team. Calling before you miss a payment gives you far more options than calling after — including fee waivers, payment plans and rate reductions that disappear the moment you default.

This is the fully interactive Bills Survival Kit — rebuilt from a PDF into a five-tool system that tells you exactly which bill to pay first, tracks every bill across 12 months, gives you word-for-word call scripts, walks you through a monthly review and tells you exactly what creditors can and cannot legally do.

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WHAT IS IN THE FILE

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✦ Interactive HTML file — open in Chrome, Safari or Firefox on any device. Priority order is always visible. Tap month cells in the bill tracker to mark as paid. Tick the monthly review checklist as you go. No app, no account, no subscription.

✦ Printable PDF — the full kit formatted for printing. Print the priority order and stick it on your fridge. Print the call scripts to keep by the phone.

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ALL 5 TOOLS INCLUDED

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✦ Tool 1 — Bills Priority Order

The 8-tier system that tells you exactly which bill to pay first when money is short. Level 1 food for your household — groceries only, comes before every single bill. Level 2 rent or mortgage — losing your home is the worst outcome, always second. Level 3 electricity, gas and water — essential for health and safety, most providers have hardship tariffs. Level 4 essential transport to work — no job means no income, your commute stays. Level 5 and 6 medications and insurance — check for cost reductions before cutting. Level 7 minimum debt payments — credit cards and loans, minimum only, call if you cannot manage even that. Level 8 subscriptions and non-essentials — cancel or pause everything not in levels 1 through 6 and reconnect when your situation stabilises.

✦ Tool 2 — 12-Month Bill Tracker

Every bill in one place — name, amount, due date and autopay status. A 12-month grid lets you tap each month to mark a bill as paid so you can see at a glance exactly which bills are done and which still need attention. Annual total calculates automatically. Autopay count and overdue count update in real time as you manage your bills through the year.

✦ Tool 3 — Bill Negotiation and Hardship Call Scripts

Five word-for-word scripts for the calls most people dread making. Asking for a payment plan — what to say, how to open, how to offer what you can afford. Asking for a hardship interest rate freeze — how to request a temporary rate reduction or payment holiday. Disputing an unexpected charge — how to query and escalate a charge you do not recognise. Cancelling a subscription that will not cancel online — how to instruct them and protect your account. Asking for emergency energy hardship support — how to access hardship tariffs and what to mention about dependants in the household. Every script includes a note on what to do after the call to protect yourself.

✦ Tool 4 — Monthly Bills Review Checklist

Ten checks in ten minutes on the first of every month — the habit that prevents every billing surprise and missed payment. Check your bank balance against expectations. Confirm all autopayments processed. Check for unexpected charges. Mark all bills paid. Check for bill amount changes. Identify bills due in the next seven days. Check any overdue payments. Review unused subscriptions. Compare to last month's total. Write a one-line note on the month. Progress bar tracks completion and updates with every tick.

✦ Tool 5 — Your Rights and Free Advice Guide

Six rights every bill payer should know before a difficult financial conversation. Creditors cannot threaten imprisonment for unsecured debt in the UK or US. You can cancel a continuous payment authority at any time by instructing your bank. UK creditors regulated by the FCA must treat customers in financial difficulty fairly. You have the right to propose a payment plan based on what you can genuinely afford. Debt collectors have strict rules about hours of contact, workplace contact and abusive language. A default stays on your credit file for six years but recovery starts immediately. Plus free debt advice contacts for the UK — StepChange, National Debtline, Citizens Advice — and the US — National Foundation for Credit Counseling, Consumer Financial Protection Bureau.

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WHO THIS IS FOR

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Anyone going through a tight month who needs to know exactly what to pay first

Women managing bills alone for the first time after a separation or bereavement

Anyone who has missed a payment and needs to know exactly what to do next

People who want to set up a proper bills system so nothing ever slips through the cracks

Anyone who feels anxious calling creditors and needs a script to make the call easier

A practical and genuinely useful gift for any woman managing her finances alone

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FILE DETAILS

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File 1: Interactive HTML — all 5 tools, opens in any browser, works on phone or laptop

File 2: Printable PDF — formatted for home printing, US Letter size

Delivery: Instant download

For personal use only — not for resale or redistribution

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Created by Plan & Prosper Studio — practical money tools for women who are done feeling overwhelmed by their finances.

Call before it is overdue. This kit tells you exactly what to say.

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