If your problem is with making payments for all the other bills, you may want to consider a debt consolidation loan that will pay off your bills. The monthly payment for this type of loan may be less than the total amount of payments you made for all the high interest charge accounts.
If financial trouble hits and you know you will have problems paying your mortgage, contact your lender. Honest lenders do not want to put a home in foreclosure, especially in this economy where the home will probably sit vacant for a considerable amount of time. Your lender’s willingness to help out will depend on your past payment history.