This document provides tips and suggestions for getting out of financial crisis. It recommends getting an assessment of your finances, paying off credit card balances in full each month, and avoiding payday loans. The tips suggest increasing income or decreasing expenses, creating a budget with your partner or an accountability partner, paying all bills on time before the month starts, and saving $1,000 for emergencies before beginning to pay off debts from smallest to largest balance using extra funds. It also provides contact information for mortgage assistance, credit counseling, and other financial help resources.