Call them and see if you can work out a payment plan

Say you’re $100 behind on something, and the normal payment is $30. Maybe they’ll accept payment on the overdue amount over 4 months. So for the next 4 months, you send them $55(the normal $30 plus $25 catch-up payment.
Assuming that payment fits in your budget, it does 2 things. One, you’ll be caught up on that one in 4 months. Two, in the fifth month you’ll now have that extra $25 to throw at another bill. Do I hear a rolling snowball…? 🙂

I really don’t have anything to sell…

LOL we don’t keep much extra around here…and what I do have to sell, really wouldn’t bring in enough to do much good….

Not sure where the hours in the day would come. I work probably 9am – 6-7pm now, and have the horses, and a few other things.

I think I’m going to take one bill a month and pay it current, then keep it current, and work my way through it all….not sure any other way….