Not Enough Money to Pay Bills

There was a time when I was behind on 3 bills that I have been paying and I don't get alot of money and couldn't afford to pay all the bills. I had rung all 3 companies to organise payments regularly. And this is what I did. First of all I looked at the frequency of how often I get paid. It was once every 2 weeks (or fortnightly). Then, for each bill I would see how much I would have to pay. For example one bill which would come in once every 3 months. I worked on 4 weeks to every month, so I would get paid 6 times in between recieving each bill from 1 company. I divided the bill by 6 and got a fortnightly payment which for this bill was under $40. To pay of the out standing debt on the bill I added extra. By doing this, I did pay up the debt on the bill and was able to drop the fortnightly payments to $40 a fortnight. On this bill today by continuing paying fortnight, I have managed to get it to almost 6 months in advance. For my other 2 bills, I did the same thing. Other two bills, I have enough credit there to pay for a the next bill when the bill came in if I had stopped payments in between each bill. My husband has started doing the same on the bills that he is responsible for after he saw the results of what I have done. He too is in credit on a few bills he gets. Paying bills every time you do get paid makes it easier to manage bills in the long run. Especially if you pay a little extra on top to create more credit on your bills, and when you need some money on a rainy day for any bills that are not part of your budget, you can stop a payment to your regular bills. Just as long you remember to start regular payments again after. So I would ask you using round figures from one of my bills and frequency of my pay. What would be easier to do. Making payments fortnight of $40 on a bill or paying $200 to $300 on a bill when the bill is due especially if you get $300 per fortnight?

well i would cut down on miscellaneous expenses and try to spend less or take up more hours

Well, I have faced this situation many times where there is not enough money to pay all the Bills and you have to almost live from Disconnect notice to Disconnect notice etc, and hope that somehow nothing else comes along the way. I think now with the economy being the way it is more people face this than not anymore. It takes almost 3-4 incomes sometimes just to survive. But all I can do and all anyone can really do is try their best to make ends meet and Pray. If you truly believe God will Never forsake you and in time everything will be alright.

I would do the best I could to make more money, I would ask for more hours and I would come on here more. I would also try to cut back on some expenses like grocery shopping or eating out. I would ask for money as a last resort.

For those who run on shoestring budget, the shock of bills is definitely hits hard. Even so planning for the so called rainy day is a much safer way. Putting aside certain some funds to absorb the shock makes more sense than groping for ways to meet the onslaught of bills.