Debit

Yes i despise bills. But my advice to you is to not get things unless you absolutely need them as in you can't live without them. Doing this for a few months will help you save and actually have money to pay off your debts. I tried that and it worked for me. I finally had money in the bank and all of the checks still coming in was what i used to pay bills. It was nice knowing that i had money. I ended up and lost it cause of a ticket and was then back in the same situation and needed to do the same thing over. Another idea would be to buy birthday and christmas presents all year long so you don't have to cram it into one or two months or rather paychecks. I know it might seem hard to rough it for a few months but trust me it will be worth it in the end. Just pay bills with your check and nothing else for at the least of 3 months. Bills including diapers and wipes but that it. I bet you will be doing alot better in a year from now if you try this. oh this also includes not letting your friends have money or buying them things. love ya