The first thing you should do is contact your lender. You should never wait or your lender to contact you because by that time it is already too late. So contact your lender and explain to them your situation. Usually your lender will try to help you out in some way. Their goal is that o recuperating their money, putting you in a tough spot being not in their favor.
Usually they will tell you that you can delay some payments or guide you a professional consumer credit counseling service which in turn will help you out. Sometimes your lender will actually propose some way to help you get some quick cash or even refinance your loan(you should be very careful when thinking of using one of these solutions that require you borrowing more money).
The nest thing you have to do after you speak with your lender is to make a complete household budget. You have to see exactly on what all your money is getting spent and if you can cut down some excess spending. Do you really need pay per view, renting all those movies, buying video games, eating out frequently. Cut down costs to the bare minimum. Only the vital spending should remain in your new and improved monthly budget. I am confident you will find some areas where you can reduce your spending.
Another thing you can do is pay your unsecured creditors last. Usually unsecured creditors are much more aggressive when it comes to getting their money back and bark louder. Ignore all the threats and paperwork and pay your mortgage first. If you don't pay your mortgage you risk losing your house. You should also go to your unsecured creditors and negotiate a smaller monthly payment.
If your cash problems still continue with all the above mentioned problems you should take into consideration getting a second job, asking for a raise or seeking a better paying job. It can be hard but you have to do it if you like your home.
If you house is big enough you could also consider renting a room and taking a lodger. The extra cash will help you pay off your mortgage on time. You should do whatever it takes (as long as it is legal) to never miss a single mortgage payment.
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