You can handle your financial affairs much more easily if you just plan your finances better. A family budget is a very good idea in this situation. IT might seem trivial, but if you try it and create one, you will be amazed at how it can help. Set out your outgoings and incomings. Pay close attention to any unnecessary, or luxury items that you discover you are spending too much money on. Spending too much on your car? Then walk. You and your family will get exercise so you will be saving your health as well as your credit rating score.