Everyone falls behind on their bills every now and then. Emergencies leave you short on cash, phone bills get mysterious charges and kids have field trips that need paying for. Everyone runs into a time where funds are tight.
However, if this seems to be the norm for you, there may be a reason for it. Unemployment and underemployment are difficult to combat. However, some day-to-day choices could be making things tougher.
Small Expenses that Add Up
Sometimes it’s the little things that have the biggest impact. In the moment, spending a dollar at a vending machine seems harmless. If it’s habitual though, that daily soda fix can add up. Fast food, packs of gum and coffee also give the appearance of being a small purchase, but can add up to hundreds and even thousands of dollars spent a year.
Lack of Attention to Detail
In the hustle of everyday life, it can be tough to remember specific details. However, forgetting when bills are due, going over your cell phone minutes and overdrafting on an account can send big fines your way that put you further behind.
Sometimes it is just a matter of forfeiting that puts people behind on bills. The overwhelming nature of them stops their desire to keep up. Finding a way to organize – whether it’s a calendar or an app – can help keep you on track.