Adjust your life style, prioritise saving and work toward that goal.

Banks, finance companies, loan sharks all maintain the same business policies for a reason.Expenses are expenses and I train my tenants to prioritise their expenses understanding that paying their rent in full and on time is their most important priority, all other bills can wait since I provide the most important item in their life.

but...I heard from real estate owners that u take it seriously and notify them straight away with a late fee penalty, let them know ur serious coz ur not a bank otherwise u will be last on the list if ur soft and lenient, they will prioritise u down the list during hardship...this is the stance I wud take also when I come to that part...

Don't waste too much energy working for future generations, best to prioritise your own existence.