Know where you stand.

What is your current housing situation?

I usually have more than 20% of my income left

I usually need savings, credit or buy-now-pay-later to get through

They have increased, but we are managing comfortably

They have increased and we have reduced discretionary spending

They are putting noticeable pressure on our budget

We are regularly struggling to cover them

I use a budget or tracking system consistently

I check spending regularly but do not follow a strict budget

I have a rough idea of where the money goes

Repayments are manageable but limit other goals

I am currently seeking hardship assistance