MONEY 143 words
Plan a Repayment Approach to Multiple Creditors After Reduced Hours
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Your hours or income have recently dropped to {NEW_MONTHLY_INCOME} a month and you have repayments due to several different creditors that the old budget covered comfortably but the new one does not.
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<task>
**Plan** an approach:
1. List each creditor, minimum payment, and any flexibility already known, such as a payment holiday option
2. Prioritise which payments must be maintained in full, such as essential household bills, over unsecured debt
3. Draft what to say when contacting a creditor to request a reduced or paused payment, kept factual and non apologetic
4. Suggest a realistic order to make contact, starting with the most urgent
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A short plan: a prioritised list of creditors with the approach for each, a template message for requesting reduced payments, and a suggested order of contact. Under 350 words. Calm, factual tone, no panic.
</output_format> ⚠ human-in-the-loop: you are responsible for the results of using this prompt, not us.