There are three necessities in life: food, clothing, and shelter. Shelter is probably the most expensive, but it is something you definitely cannot go without. This means you should do everything you can to ensure you can pay your mortgage on time to avoid living on the streets.

Many families have found themselves strapped for cash, whether because of job loss or inflation in prices, and are now worried about paying the mortgage each month. There are many different things families can do, however, to pay a mortgage and live within their means.

• Get a short-term loan from a company like Plain Green Loans. This is the ideal situation for someone that needs an extra week or two to pay the mortgage, or they are waiting on a payday. It’s always best to pay your mortgage on time to avoid taking a hit to your credit score.

• You can also sell your home and move into more affordable housing. This is not always a fun situation, but it is always best to live within your means, and a smaller mortgage payment might be the solution.

• Another thing you can do is refinance your mortgage loan. There are some situations where you may qualify for a lower interest rate, or you can extend the term of your loans to bring down your monthly costs. Both are good options if you are overwhelmed with monthly bills and no longer make enough money to cover them.

There are definitely other solutions to making sure your mortgage gets paid, but try these solutions if you don’t know where to start. You don’t want your family living on the streets.