How to avoid penalty fee and submit Dissertation on time?

Hi all! I am a postgraduate student pursuing my PhD in Financial Forensics and topic of my research is, the financial analysis of audit report obtained from the crime related security research analysis. I am done with my research and data collection, but i am still left with the major part i.e structuring my dissertation into contents, review of literature, discussion, references etc. I have this feeling that i will not be able to complete my dissertation on time. My guide tells me if I don’t submit it on time, i will have to submit a penalty/ late submission fee. I don’t have that much amount of budget. Can anyone please suggest me a way out by which i can surpass this stage? Thank you in advance.