It’s possible that your pay now bill for the holiday season will arrive shortly or have already arrived.

Late fees and other charges that can add to your debt could make it more difficult for you to pay. Financial setbacks, such as unemployment, unexpected bills, or other life events, can make your situation more complicated in a matter of weeks.

If you feel the financial pinch of pay-in-four buy-now, pay later plans, it is important to make a plan to reduce balances.

These are some options to think about as you plan your escape from debt.

1. Update your budget

Reevaluate your budget to cut unnecessary costs or switch services to less expensive options. You can cancel unused subscriptions or switch to a streaming service that is less expensive.

A debt management plan can help consolidate credit card debt into one low-interest payment. You should note that the plan requires accounts to be closed. This could have a negative impact on your finances.

2. Change your payment due date

You can request an extension or change of the payment due date from lenders such as Afterpay and Klarna.

Klarna customers who use a pay in four loan can extend the due dates for each order by one week, according to the company’s website. According to Amanda Pires (a spokesperson for Afterpay), the company offers more flexibility, which allows customers to change the due date of their payment up to six times per annum in the app.

Lender policies can differ. Please read the plan terms and ask the lender for information.

3. Talk to lenders about your hardships

The buy now, pay tomorrow lender might be a good option if you are experiencing financial difficulties or an emergency that prevents you from paying your bills.

Major buy-now, pay-later companies that have hardship policies encourage customers to call customer service immediately about any hardships.

A spokesperson for the company, Casey Becker, stated via email that users who are experiencing financial hardship should contact us through our help centre so we can help them find the best repayment option.

Terms can vary depending on the lender.

4. You might consider a balance transfer creditcard

The balance transfer credit card is designed to save you interest charges for a specific time period. They might not be suitable for certain buy-now, pay-late plans that don’t charge interest. You can only move a balance as high as your card’s credit limit will allow. Additionally, there is usually a fee on the amount that you transfer. This fee is typically between 3% to 5%. These factors can be compared to potential buy-now, pay-later costs.

There will be different terms and procedures for each card issuer that allows this. Ask what you can expect. Wells Fargo may permit you to use a balance transfers to pay buy-now, pay later.

Sarah DuBois, Wells Fargo spokesperson, stated via email that the most common practice was to transfer balances from other credit card issuers to their Wells Fargo accounts to save interest. Customers have several options to make the most of balance transfer offers if a creditor isn’t technically a bank or retail card issuer. A balance transfer check is usually issued with the offer ).”

A credit card issuer may offer a balance transfer option, which can be in the form a check. Your ability to use that option will depend on whether the lender is willing to accept it.

5. Consider the pros and cons to a personal loan

Personal loans can be used to consolidate multiple debts and provide a fixed monthly payment along with a low interest rate for a specified period. You can use the funds to pay creditors. You may be eligible for a lower interest rates if you have a good credit rating.

It’s not the best way to pay off your debts with credit. Therefore, it is important to determine if the interest rate proposed offers savings relative to any charges on buy now, and pay later plans. A personal loan might not be the best option if your buy now, repay later plan does not charge interest or fees. It might be worthwhile to use the loan to consolidate debts – if it can help you pay off other buy now, pay late plans.

This article was written and published originally by The Associated Press by NerdWallet.