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

Pay what you can. Suggested: $9. If money is too tight right now, take it free. No email, no proof, no catch.

What to do when there isn't enough money to pay everything. Falling behind happens to millions of families. This kit helps you protect what matters most and buy time on the rest, starting tonight.

What's inside (9 printable pages + editable letters):

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. Letters for when a company wants it in writing: hardship payment plan, rent plan for your landlord, utility shutoff and payment plan, and a debt collector letter.

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.

No printer? All 4 letters are Word files you can edit in Word or Google Docs and email. The free Bill Help Now app (billhelpnow.com/app) also fills them in on your phone.

Behind on a power, gas or water bill? See The Shutoff Stopper Pack ($3) in our shop.

What you get: one PDF (US Letter) + a ZIP of 4 editable Word letters. Payhip emails your download link right after checkout. Keep that email; the link works any time.

Pay with card, Apple Pay, Google Pay or Cash App.

General information, not legal, tax or financial advice. Instant digital download. All sales final.