If you are behind on bills, ask to be placed on a payment plan. Consider bundling services together like your internet and cable service or home and vehicle insurance. When negotiating a bill or asking for a better price, speaking to a live customer service representative is key. If you don’t understand a charge, call and get answers. Experts say that up to 80% of medical bills contain errors. Haggling over prices may seem taboo, but many expenses can be negotiated down. ![]() Secondly, work on negotiating your bills. ![]() Many companies allow you to cancel your subscriptions online with no need to call. First, start off by calling every company and canceling any service you no longer need or want. If paying bills on time is becoming a constant struggle, then it’s time to call your creditors. Find ways to reduce variable expenses like groceries, electricity, and fuel costs.īonus Tip: Try a 30-day money challenge to reduce your expenses. When looking at your list of bills, notice which expenses are variable each month. Have you considered cutting the cable cord and opting for a streaming service like Hulu, Netflix, or Amazon Prime video? The average internet bill is $58.49, and the average cable bill is $217.42. Cutting all non-essential subscriptions and monthly expenses is a great way to reduce your costs if you are behind on bills. Recurring monthly expenses can add up quickly. Maybe you are behind on bills because you have too many bills to pay! Did you know you were still paying for a magazine subscription? Is there a free version of your favorite phone app that you can use as an alternative? When was the last time you used your gym membership? Take a moment to understand the information in front of you. What recurring expenses can you reduce or cut entirely? For instance, you can review your spending on: Now is the time to limit your discretionary expenses. Be honest about what is a need versus a want. Determine which expenses are essential versus non-essential. Once you’ve listed all of your bills, it’s time to evaluate those bills and also your expenses. Need help getting organized with bills? Check out the Clever Girl Finance Debt Prioritization worksheet. Getting organized is essential if you are behind on bills because it helps you keep track of what is due so you can pay on time! I strongly suggest getting your free credit report to look for any other accounts that may have been forgotten. Once you determine what bills you have, organize them as follow so you can pay on time:ĭon’t forget to check your credit card and checking accounts for automatic debits and withdrawals. Whether you create an excel spreadsheet or you’re more of a pen and paper type, you want to layout every bill. And that means it’s time to get organized. One of the first steps to catch up on bills is to know the full picture of your income and expenses. Take a deep breath and take these key steps so you can catch up on bills and work towards paying bills on time! Step 1: Get organized to pay on time ![]() We understand the stress of having bills to pay and mouths to feed. ![]() That being said, it's still completely possible to get caught up on your bills and get ahead so you can pay on time! 6 Steps to take if you are behind on bills
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