The Hard Month Kit: Printable Call Scripts, Hardship Letter & Bill Priority Worksheets

What to do when there isn't enough money to pay everything.

A 9-page printable kit that walks you through a hard month, step by step:

1. Sort your bills: a worksheet that shows what to pay first, and what can wait.

2. Your 30-day cash plan: money in, must-pay bills, and a week-by-week plan.

3. What to say when you call: 6 word-for-word scripts (landlord, power company, medical bill, credit card, car loan, phone/internet) plus a call log.

4. Hardship letter template: fill in the blanks when a company wants it in writing.

5. Money you may be owed: a checklist of free help to check before you borrow.

Plus: safer places to borrow, and scams to avoid.

WHAT YOU GET: One PDF (US Letter). Print it or fill it in on screen.

NEED HELP? Email help@billhelpnow.com and we'll fix it or refund you.

This kit is general information, not legal, tax or financial advice.