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Deal with it now!

If you've received a notice or letter from the IRS, it’s best to deal with it right away. The more letters they send out the harder they are to deal with.

Don't Panic.

If you take more than you make, you may have find yourself with more debt than you know what to do with.

When you don't budget for reality, 1 of 2 things will happen: you'll come up short on paying for everything you've budgeted or you'll absorb the unexpected expense in the form of debt. Neither is good (credit cards are a dangerous form of planning for emergencies).