Overdue Bills - have you experienced this

New Zealand
February 1, 2007 3:16pm CST
Bills bills everywhere and the cash in bank is not enough to cover them. You worry about power, telephone being cut off. Have you experienced this? How did you solve the problem.
3 people like this
15 responses
• United States
2 Feb 07
I had to choose a bill to NOT pay in January cause I dont have a job for over a month and I've been looking but its HARD to get one! Gad! So I chose to not pay the $80. one cause it wont give me a charge for being late and ALL the other ones would (2 credit cards, one for a dell bill for my laptop). I have doing this ITS HORRIBLE! I need a job badly and I pray I wont have to choose again this month seeing I have NO money for but one bill this time! But sometimes its how it goes...
• New Zealand
2 Feb 07
As somebody suggested, negotiate with the creditors.
1 person likes this
@nw1911guy (1135)
• United States
2 Feb 07
I found a way to come up with the money. Sometimes you need to use your brain to make money. Look for oldbuddy's stuff and go into the making extra money section. You'll find some ideas in there and I mean start looking at website ideas and such. Work on making it so you have more income with less effort.
2 people like this
• India
2 Feb 07
No dear. But I experienced not to pay bills and how to come out as smarter person
1 person likes this
• New Zealand
2 Feb 07
How did you manage that Gunjan. We are all eager to hear your secret.
1 person likes this
• United States
2 Feb 07
well just decide which thing is more important. sometimes oyu have to let things go like phone or internet and just get them back on when you can.
1 person likes this
• New Zealand
2 Feb 07
Well said.
@lols189 (4797)
1 Feb 07
i would recommend u try 2 loan money from a close friend or relative 2 pay ur bills an pay them back when u have the money. i just pay everything on prepayment meters an my phone bill every week as its easier 4 me. good luck anyway :-D
1 person likes this
• New Zealand
2 Feb 07
Thanks lols - but the Good Book says "neither a borrower or a lender be". I like the pre-pay bit.
• United States
1 Feb 07
I've been there. I solve the problem but taking care of the priorities first and going from there. If it is a problem that isn't going to take care of itself, you may think about looking for another job, or alternative ways to make money. My husband has been laid off for awhile and we got down to the wire. I went through my stuff and found things I wasn't using anymore, cd's I won't listen to anymore, books I'm done reading, and I sold them on amazon.com. I made about $200. extra doing that in January. Maybe you could go through yoru things and sell some of the stuff you're not using anymore.
1 person likes this
• New Zealand
1 Feb 07
Great idea! Have a garage sale! Put them up on eBay or Trade-Me (that is the Kiwi answer to eBay).
@ichigo111 (491)
• Canada
1 Feb 07
I haven't experienced it yet, but if that happens, I will just be more positive and happier, since, well, there is no point in being sad right?
• New Zealand
1 Feb 07
Thanks for the post. It really takes something to be happy when there are unpaid bills and creditors hounding you. Cool.
• United States
2 Feb 07
I am a constant worry wart. i worry about everthing all the time. Bills are a never ending worry. I make myself sick sometimes when we have the car payment and the power and cell due at the sametime. i freak out . we are trying to get opn a budget and save some money then i wont have to worry half as much.. my husband says i will still worry which is probley true.
1 person likes this
• Philippines
2 Feb 07
once we did, cause we accidentally missplaced our bill. that didnt happened again cause weve learnerd from it. it has lost of hassles when you forget ot do so :)
1 person likes this
• Philippines
2 Feb 07
I always worry about our utility bills because im the one who pays for it..every middle of the month thats when our monthly bill arrives and when i get one from the mailbox,i close my eyes first and pray hard that its lower than the month before(LOL..i really do that)but it is always higher..arrghh..what i do?if i really dont have money for it?i borrow money from relatives or friends..or worst if i really dont have money let it get disconnected and pay for it as soon as i get the money ..that happens only for telephone bills.
• India
2 Feb 07
Well there has been few instances in the past that i dont have any money but there are creditors to be paid. And trust me after some time I loose hope and god invariably takes care. So i beleive in god.
1 person likes this
@lauriefnp (5112)
• United States
2 Feb 07
I have never had to deal with this much of a financial crunch, but I know that it can be an overwhelming and frustrating situation to have more bills than you have money coming in. Try to work with the utility companies and your creditors to set payment plans that you can live with; the last thing you want to do is to have utilities shut off, because on top of having to pay the bill you will have to pay even more to have the service reconnected. If you have any credit cards, retire them and don't even consider using them until you are financially stable. One of the posters suggested pre-paying for items and services, which is a great idea. Buy only the necessary things, cook your meals at home instead of stopping for take out, and eliminate any unnecessary expenses. Most lenders will suspend your payments for a period of time and charge you only the interest until you get straightened out. The important thing is to let them know in advance; don't wait until you get 2nd and 3rd notices before you contact them. You may even consider an extra part-time job for a few hours on the weekends; you could take all of that money and pay on one bill until it's gone, and then start on another. Good Luck!
• New Zealand
2 Feb 07
Well thought out and detailed response. Thank you.
1 person likes this
• India
14 Feb 07
i have no experience like this.
• Canada
1 Feb 07
Jennybeans has a good idea with selling stuff you no longer need... I would consider placing stuff on trademe.co.nz I sold alot of stuff on there before moving back to Canada...
• United States
1 Feb 07
I've dealt with that before and the only thing you can do, is do your best. Sometimes life is hard and you just have to take it as it comes at you. I've borrowed money, over drafted my checking account and even baby sat kids.