A man tells you he is in financial distress. he has a wife and a child.

you saw the following in his diary:

$1.$rent in arreas for $3$ months $-$ ghc $15,000$

$2.$ loan from GCB$,$ GHC$100,000-$ GHC $1,250$ to be paid per month $(3$ months defaulted.

$3.$ Loan from office credit union GHC $50,000-$ GHC $1,000$ to be deducted monthly

$4.$ Unpaid fees for the $1$st term $-$ GHC $3,250$

$5.$ Debt on various gadgets bought on credit GHC $39,000$

What four suggestions or practical terms would you give to this man, whose monthly income is GHC $4,000?$