Every Thursday in 2025, I answer questions about money and budgeting. If you have any questions you like to answer in future posts, please send them here.
Today’s question comes from Rachel:
I’m very late to my monthly regular bills like electricity, rent, water, so every time I feel like I’m getting caught up in another month, I’m here and I’m back again It’s there. I hadn’t worked for three months. I’ve been working since September and I’m still struggling and can’t budget for the whole payroll trying to get caught up (that works). I still have to buy groceries and gas the car, but I spend as little money as possible to keep the light and not get kicked out. I know I need a better way and I really appreciate any advice. – Rachel
First, I would like to say I heard you. You’re working hard, you’re doing your best, but even so, you stomp on the water and feel like you’re barely floating.
I also felt that, so I know how it feels. I remember when Jesse was in law school and our income was so poor that every penny we made came straight back to pay for the bare basics of essentials (it does so). ) First, and all others can spend money, here we can’t afford basic things like groceries, and even have money to shop at a thrift store. Not there.
(Yes, it was not true that “everyone else could spend the money,” but where we were in life and how we made such a different choice Is there, it often felt like that – not in debt – when Jesse was in law school.)
But I want to encourage you – don’t give up hope! Your very desire to budget is a big step in the right direction for a sensible financial decision, and the willingness to do the best you can at the expense is to be rewarded!
Here are some suggestions I have about where you are now:
1.First focus on absolute essentials
When your salary is already at its peak, what’s important is prioritizing Must do You will be paid. What are the absolute essentials you have to pay to survive?
These are usually like this:
- Housing (rent/mortgage)
- Utilities (electricity, water, gas)
- Food (basic cheap groceries, not eating out)
- Transport (gas, car payments, repairs required)
These essentials must come first. If you have limited income, make sure these are covered before anything else. Everything else is not that prioritized for now.
Tip: I recommend using Budget tracker Write down all fixed costs. Think about it as you do: “If I had to do it, can I live without it, at least in the short term?” If so, it’s not an absolute must, nor is it something I would like to prioritize you first.
2. Get past invoice plans
As you are late for rent, utilities and other bills, the first step is to reach out to your provider or landlord. Many businesses have difficult programs, payment plans, or options to delay or spread payments.
Call them and explain your situation. It may feel intimidating, but most businesses will be more willing to work with you when communicating than if they missed a payment. Please be honest. In advance. Don’t promise you are absolutely not sure you can deliver.
3. Find community support and resources
There is no shame in asking for help when you need it. If you’re struggling to pay for groceries or utilities, check with your local food pantry, community support programs, or nonprofits that provide financial assistance to your rentals and utilities. Even churches often have programs to help people in difficult situations.
Plus, if you have past utility bills, many states have Low-Income Home Energy Assistance Program (LIHEAP) It may help to cover some of your utility costs.
4. Create a realistic barebone budget
The budget doesn’t have to be flashy or complicated. It has to work for your situation. Start with what you have. Please use us Budget tracker To help you.
- Lists the total monthly income.
- Write down the absolute essential costs.
- If you have money left, assign it to keep up with the expired bill.
If you’re in a situation where you have your income still It’s time to increase your income (from then on, soon) as it doesn’t cover your essentials.
5. Increase your income temporarily
When you’re late, sometimes it’s not enough to cut costs. You need to bring in more income to catch up. If possible:
- Part-time work, weekend gigs, or side hustles. Consider delivery services, babysitting, private tutoring, freelance jobs, and even seasonal jobs.
- Sell items you don’t need anymore. Check out the Facebook market, offer ups, or local consignment dealer.
- Use your skills to generate extra income. If you have a talent for writing, organizing or crafting, check out Quick Turner Round’s freelance gig.
Even a few hundred dollars a month can make a huge difference in leading you from survival mode and to more stable ground.
Tip: Post on social media and Facebook pages to let your friends and family know that they are looking for jobs they can do to earn extra income, and welcome ideas, suggestions and projects they are helping! I’ve heard from multiple people that this simple action opened doors they wouldn’t have thought of – and even brought them to long-term work!
6. Avoid new debt at any cost
Putting your bills on your credit card or taking out your payday loan may feel like you’ll get some relief, but in the long run it will only make things worse. The goal is to free yourself from the debt cycle. If possible, don’t avoid new debts while you’re trying to get back on your feet. Remember: this is a short-term situation. I’m willing to make truly radical short-term sacrifices for long-term profits!
7. Give yourself grace and continue
I know it feels overwhelming right now. But I also know that even the most challenging financial struggles can be overcome. Keep taking small steps and don’t let the set-off deter you. Even with a microscope, progress is progress. Pay attention to and celebrate all your victory! It’s a baby step closer to where you want to go!
Final encouragement
You are not alone in this, you are not failing – you are fighting. You’re working hard to turn things around and that’s important. The fact that you are seeking advice and solutions tells you that you are determined to do this job.
Keep moving forward, keep searching for ways to grow, and don’t lose sight of the fact that this tough season is just that. season. you Intention Get over this. And one day you will look back and see how strong you are, how much you have learned, and how far you have come.
What advice and encouragement do you have for Rachel? Leave a comment and share your advice, inspiration, or encouragement. I know it means so much to her and the others in her shoes.
Do you want to make this in the year when you finally stick to your budget? !
Tracking your budget doesn’t have to be overwhelming or complicated! Please use these Free budget spreadsheet To easily plan and track your spending every month!
Source: Money Saving Mom® – moneysavingmom.com
