5. Immediately address your budget shortfall
Even if your budget is OK, plan to make cuts to your budget now to conserve cash for later. If you're making additional payments to your mortgage each month, you should probably stop doing so and conserve cash. Can you eliminate some nonessential services such as a housekeeping, transportation expenses, lawn maintenance, haircut or salon services, tennis/golf, etc.? Can you eat at home more often? Also, don't use credit cards to "tide you over," and always pay your mortgage or rent first.