How does the next paragraph end?

How to negotiate with creditors 
Create a budget before you determine what you are able to pay your creditors. 
You need to be able to pay your current bills to avoid acquiring more debt. Start by recording and adding up all of your expenditures for a month.
This includes necessities like rent, food, other debt payments and utilities, as well as discretionary spending like entertainment and clothing purchases. Subtract this amount from your after-tax monthly income.