You showed up. You worked. You weren't paid. Runway72 helps you organize your bills by priority, provides sample conversation topics for creditor calls, and maps every deadline so nothing slips.
Free to start. Takes 5 minutes. No account needed.
Missing a payment without a call is very different from calling first. Landlords, lenders, and utilities have hardship programs — but only if you ask before you're delinquent. Most people don't know this. Most people lose leverage they didn't have to lose.
Runway72 tells you who to call, when, and what topics to raise. We've done this work so you don't have to figure it out at midnight after a 12-hour shift.
Tell us your bills. We rank every one by what happens if you miss it — eviction timeline, repossession risk, service shutoff. You'll know exactly what's urgent and what can wait.
We give you sample conversation starters for your mortgage company, credit cards, car lender, landlord, utilities — hardship topics that can help you request deferral and hardship programs.
Set your survival budget for the shutdown duration. Document every call and agreement. Know your legal protections. When your back pay arrives, you'll know exactly where it goes.
This isn't generic budgeting advice. Everything here is specific to people who are owed money by the federal government and need to survive until it arrives.
Not all missed payments are equal. We organize every obligation by consequence, grace period, and negotiability. Rent before credit cards. Car loan before gym membership. You'll know exactly what to address and what to defer.
Sample hardship discussion topics for mortgage lenders, credit card companies, car lenders, landlords, and utilities. Explaining your situation as a federal employee may help you access programs and deferrals you might not know exist.
Late fees, eviction notices, and repossessions don't wait for Congress. We map every deadline so you know exactly how many days you have before each situation escalates — and what to do before that date.
Federal workers are guaranteed back pay when the shutdown ends. We help you plan where that money goes the moment it hits your account — and what to discuss with creditors about any late fees accumulated during the shutdown.
We built this for people who are already stretched. Bill organization is completely free — no account, no card, no strings. The full planning framework with conversation starters and your complete deadline map is $29. One-time. No subscription.
Runway72 exists because nobody should lose their home because Congress couldn't pass a budget. Start your triage now — it takes five minutes and costs nothing.