Do you have a merchant that you pay every month (i.e., doctor, mortgage, etc.) that is exactly the same amount and had the unfortunate situation of having to contest that they hadn't posted the payment, and they say they never received it?
NEVER pay the exact same amount each month, add a dollar, or even 1-cent to this month's payment above last month's payment.
Get the picture, now you can not only verify each payment, but also know which month the payment was good for. This is great for accounting departments that are totally lax (incompetent) in their posting procedures. If you paid $20.00 each/every month, you may have a battle on your hands with the idiot on the other end of the telephone. This method puts you in control.
I don't know what to do with all my bills. My wife and I work but cannot save anything. Everything goes to bills. I know that you shouldn't beg anyone for money, but sometimes I wish to do it. Just pay it off and to start over. I'm so tired of all this. What can I do?
By Mogge from Norway
I'm not critizing Mogge because I don't know her situation but a lot of people got themselves in this situation by living in the moment. We have to plan for the worst and pray that it doesn't happen. Sometimes things happen beyond our control; such as in medical. Those are not the people I'm referring too. People need to change their views on what it means to be frugal. I have a friend who said she'd never buy used but new clothes have more often than not but tried on again and again. Another friend calls me lucky because I'm not in debt but what I can't get through to her is that I live a frugal lifestyle and luck has nothing to do with it. She's too proud to do the things I do and she lays awake at night worrying whereas I sleep like a baby. No new anything is as good as the peace of mind that debt free feels like.