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Pay more than minimum if you can't pay off a bill.

Whether this is a credit card or a cable bill, make contact with the company and explain that you are not able to make the full payment you would like but that you are trying. Ask them if there is anything they can do for you, like waiving a fee for the month or limiting the interest charged. Then pay them more than the minimum and as much as you can without impacting the rest of the family necessities. 

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