Let me show you here how to catch up on bills even if you are behind
Are you behind on bills? I know it is an unpleasant feeling
I confess to you I missed paying my credit cards on time before
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This happened once or maybe twice
It is very intimidating especially I had enough money to pay it
How to get caught up on bills and not hurt my credit score again
I realized I was missing a bill tracking sheet
Also I made a promise to review my bills and setup twice a month a paying session
I plan to always pay all my bills if I have enough money to cover them
Sometimes if you have a bill to pay with due date to come later
Mark it on the bill tracking sheet and pay it after you get paid

Anyway, below I will share with you my experience on how to catch up on bills
1) Create a budget if not having one
In order to know how to catch up on bills
You should learn how to create a budget in the first place
Why is that?
Because creating a family budget allocate some money to all bills on your budget
So step one you realize how much you pay for all your bills
2) Make a list of all your bills
If you really want to know how to catch up on bills
Let me tell you the following
There is nothing better than listing them on a sheet of paper
Also marking them on your monthly calendar
That’s why I came with these control your bills and bills on calendar PDF


I have the above two PDF files under the Ultimate Budget Binder
Visit my ultimate budget binder product page
Also I have many free PDF files for you to download on my products page
3) Prioritize your bills
Once you list all of your bills, you can do so many sortings like
You can sort them according to flexible and non flexible bills
Flexible bills are those bills you can pay late without incurring high interest rate or late fees
Example of flexible bills are a debt to a relative or friend where you can state the fact of delaying your payment
Other example are cable subscription or IPTV and GYM membership where you can pay it later and get back the service
4) Negotiate your bills
It would be hard to cancel some bills like the internet but you can negotiate it
In US, try using AskTrim, ClarityMoney, BillCutterz, BillFixers and Bill Shark
While in Canada, you can use Bill Busters
These companies will negotiate the bills for you and bring a better deal
5) Build an emergency fund
One of the top things on how to catch up on bills and not hinder paying your bills on time is to build an emergency fund
You don’t want to face a sudden emergency and use all your money to cover your emergency
Then you figure out you are not able to pay your bills
6) Increase your income
Another solution to avoid missing your bills is to increase your income but how?
Well I discussed in many posts how to increase your income
You can read how to make an extra 1000 a month from home doing easy side hustles
And how to make 500 dollars fast cash free today within a week
Also how to make 300 dollars fast online or offline
7) Cut your expenses
There are 3 types of cutting expenses
First type is to cut completely or partially on discretionary items like your morning coffee
I found myself buying a cup of coffee from Starbucks on a daily basis
So I decided to keep it for once or twice a week
Second type is to cut unnecessary expenses
Actually most of them are useless bills like magazine subscription
Or home phone where you can replace it with VOIP – voice over IP phone
Third type is to lower some expenses you cannot cut completely like gas or grocery
For this type, I recommend to read how to save money on groceries with 38 smart ideas
And cheapest foods to buy at grocery store – best food to buy on a budget
8) Pay off your debt
It feels great when you finish paying off all your debt
Having debt to pay like credit cards and student loans, this would compete with your bills that are due
That’s why you have to act smart to pay off your debt without impacting your unpaid bills
I have this post to read about how to pay off debt fast using these 26 simple hacks
It is highly recommended to use the snowball method
Which dictates paying the minimum for all debts and add more to the first small debt
Once you finish your first debt, use its amount plus the minimum you used to pay for the second debt
Doing that will encourage you to continue tackling your debt like the snowball effect
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