Prioritize your spending based on need. You must have shelter, food and utilities. However, the second car payment or boat payment could be eliminated or downsized. Look for bills that can be reduced or eliminated like the cable bill, cell phones and dining out. A certified nonprofit credit counselor will, for no charge, help you determine a budget. Never give an agency a large up-front fee or donation, or join an organization with a membership fee. There are plenty of reputable free counseling agencies around to help you.