What To Do When You Are Behind With Your Bills?

This ” What To Do When You Are Behind With Your Bills? ” post details what the author did to get current or get ahead with paying his bills. This post is a personal story of the author. This post contains affiliate links/ads. See disclosure policy

If there’s one thing that I vividly remember when I was in debt, it was that I experienced being behind with paying my bills. The trauma, the non-stop harassment phone calls, the uncertainties, and so many others are the things I experienced over and over again during that time. I know these experiences are something many people who have been in my place or are going through one fully understand.

A couple of people reached out to me and asked what they can do when they are so behind with their bills. I may not be an expert, but I know, from experience, what can be done to help someone be current or ahead of paying their bills. I know each situation is different and some of the tips I will lay out here may or may not apply to you.

What To Do When You Are Behind With Your Bills?

What I always hold onto is the belief that every bad situation had its solutions. I knew that when I was going through this turmoil. I knew that solutions were present and that I only needed to think deeper to figure out what they were.

Here are ways that you can adopt to help yourself get current or ahead with paying your bills.

Determine your income and expenses

Before you even begin doing the other ways I listed below, you need to know how much your income and how much your expenses are. In short, create an income and expense report or a budget. It may sound like a business report, but you can adopt this for personal purposes.

Don’t try to say your expenses total this amount while your income is that amount. Put everything in writing, so you’re transparent to yourself, and you’re not forgetting other expenses that could easily be made when you’re just thinking and talking out loud.

Negotiate your bills

Do you know you can negotiate your bills so you can save money? Yes, that’s true. Just a phone call and conversation with your bill collectors may or will help you lower your bills without sacrificing the quality of the products and services you currently have.

Some of us don’t like to get into negotiation but still want to save money. Some of us have tried over and over and failed to negotiate our bills. I am one of those people who tried to negotiate but failed to get any savings. If this is you, then, I highly recommend you try BillShark.

BillShark will negotiate on your behalf. It only gets paid when it saves you money. No savings means you don’t pay BillShark anything. My wife and I recently tried BillShark to cut down our phone bill. It managed to save us $120 for one year.

BillShark gets 40% of the savings. If it doesn’t save you anything, then, it doesn’t get paid.

Here’s a picture of our savings. We were shocked that it was true that we called Verizon, our phone company, to verify if BillShark did call and negotiate with Verizon. The answer was yes. So, what did we do next? We added another bill so BillShark can we can get some savings.

BillShark is a legitimate company. It has been has featured on Today, The Washington Post, Fox News, NBC News with Lester Holt, and Dave Ramsey. These are big names in the television world and you know how a feature in these platforms means.

Billshark review

Define your needs and wants

This may not be easy to do at first, but this is what you need to do to get ahead of your finances. Ask yourself what your needs and wants truly are. In general, if you can’t live without a certain product, then, that means it’s a need. Otherwise, it’s a want.

Beware of those wants that disguise as needs. They are everywhere, and marketers are so good at advertising their products as necessities when they are just wants.

Read: Why Is It Difficult To Distinguish Needs From Wants

Find your passion and make money out of it

There’s no better time to show your passion and make money out of it than when the times get rough. Trust me, I thought passions were just hindrances to solving your problems especially when you are already at the lowest point of your life. But they are not.

When my wife and I were paying off our debt, one of the things I did was write. I like writing and it is my passion. I created a journal and wrote what I felt, what I did the other day, etc.  I was able to release my worries, my stresses, my love, etc. through writing.

Sometimes, all you need is  a break from the “not-being-able-to-pay-your-bill” cycle. Everyone needs a break. This is where passion can make a difference.

Like what I said, I like writing. It’s my passion. I turned my passion into a business (i.e. blogging). I’m not kidding. I make over $5,000 every month spending an hour or two every day in my blog and that’s it.

If you sign up through my link you can start your blogfor just $3.95/month. That’s just a coffee fix.

If you ever want to try blogging but not sure if blogging is for you or don’t know where to start, my tutorial will help you establish a blog in 15 minutes or less. You can also sign up for a FREE Blogging course, which is valued over $400 and also gives you access to an EXCLUSIVE Facebook group dedicated to supporting bloggers and help them grow their blog traffic and income. Again, access to these course and group is FREE.

Prioritize your needs

Just because you have identified your needs doesn’t mean that your job is done. Your job is just beginning. You need to remember that even when you have identified all your needs, you may or will need to prioritize which ones should be met first. If your needs total to $1,000, for example, but your income is only $500, then, you need to prioritize and sacrifice some needs over the others. Being able to pinpoint what your needs are is useless when these needs cost more than what you can afford.

The keywords here are prioritizing and sacrificing. I always believe that it’s best to sacrifice now and have a comfortable life later than the other way around.

Side note: If you want to bring down the costs of the services you consume, you should try BillShark. BillShark will communicate with your service companies to reduce your costs without sacrificing the benefits you are already receiving. It’s FREE to use. BillShark only gets paid when you get savings using its service.

Find better job opportunities or side hustles

If your needs to continue to grow and/or you cannot simply sacrifice any of your needs, it is best to find better job opportunities that pay well.

Finding another better-paying job may or will be your best solution to your money problems. In the event you can’t find another job, there are other ways you can make additional money on the side.

There are side hustles or side jobs, as many call them, that can help you earn extra money every month. My family lives under one income. We manage to live comfortably because we earn additional money through surveys and blogging.

Surveys are an excellent way to make extra bucks. In a given month, my wife and I make at least $350/month on these survey sites:

  • MySurvey (World’s No.1 Paid Survey Website)
  • YouGov (Earn 2,000 points as a sign-up bonus)
  • Toluna Opinions (We’ve earned over $300 worth of prizes and gift cards in just a couple of months)
  • Vindale Research (My wife and I earn $100-$150/month and around $200/month for friend referrals) Want to earn up to $100 per survey and earn $5 for referring a friend? Check out Vindale.
  • Opinion Outpost (My sister earns $50/month) – You can take surveys and earn points redeemable for cash via PayPal or for gifts (like Amazon.com). A lot of the surveys take, on average, 10 minutes to complete.
  • VIP Voice Panel (Automatically enters you to $1,000 sweepstakes) This survey is on a tiered reward system, which means that the more surveys you do, the more points you earn. For your 1st survey, you can earn 3X the points.
  • Harris Poll Online – You do not earn cash with Harris Poll but you earn rewards. For some survey sites, you don’t get anything if you fail to qualify for surveys. Not with Harris Poll Online because you will earn 15 HIpoints as well as entry into the HIstakes draw with Harris Poll Online.

Read: Earn Thousands A Year: The Most Comprehensive Survey Sites Lists You May Ever See

Learn to live frugal

One of the best things you can do is to start living frugally (i.e. live below your means). While it may not be easy to execute it, at first, continued practice and perseverance will help you achieve such lifestyle.

My wife and I chose to live frugally when we were in the process of eliminating my debt. Just because you live frugally doesn’t mean you are depriving yourself. That is not the case, and it shouldn’t be. When we started living frugally, we found alternatives to our needs. Instead of buying branded consumables, we turned to store brands. We used coupons so much that we ended up getting a lot of products for free. When we wanted to eat out, we turned to cooking at home. These are just examples of what we did.

There are major and minor changes you can do to live frugally and comfortably, at the same time. Try to checkout these frugal living books to get more ideas on how to live frugally:

Read: 20 Productive Ways To Use Your Free Time

Work with your creditors (never hide)

When you ignore the IRS’s mail because you don’t want to pay the agency the tax money you owe, what do you think happen? Eventually, it will charge you interest, penalties, and other fees. Worse, it may or will levy all your accounts. Worst, you’ll get into a lot more trouble.

This IRS situation may not be the same situation that you have with your creditors, but they can and will charge you fees on top of fees. Next thing you know, you owe them quadruple times what you originally owed them.

Have a conversation with your creditors. Tell them about your situation and what you can and cannot afford to pay and for how long. Show them that you are willing to work with them. Don’t just run away and forget your debts. Your debts will haunt you for a long time.

While a lot of people told me to forget about the creditors, I took it upon myself to contact them and work with them. What did I get in return? They waived all my penalties and interest and put me on payment plans. In less than three years, I paid off all my debt and my credit rating has never been as good as it is now.

Good things happen in your favor when you show and act in good faith.

There are a ton of resources that you can reference to give some specific ideas on how to work well with your creditors and get positive outcomes. I recommend that you look into these books:

Be responsible with credit cards

It would be hypocritical of me to suggest that you not use your credit cards while you are getting current with your situation. While a lot of people will suggest that you completely stay away from credit cards, I say that you need to be strategic, reasonable, and responsible with using your credit cards.

When you have credit cards that give you reward points, cash backs, offers, and others, grab those opportunities. Just make sure that you pay your dues on time to avoid fees and penalties.

In the years that we were paying my debt, we got at least $3,000 in cash back. Did we forget to be responsible in paying our debt? The answer is no. Clearly, for us, it was wise to use our credit cards.

Read: How To Get The Most Out Of Your Credit Cards

Obtain a personal loan

I hate to say this but, sometimes, a personal loan is a good option. There were two credit cards that didn’t want to work with me. My annual percentage rates (APRs) for those two cards were 14.99% and 18.99%, respectively. I decided to get a personal loan enough to cover my outstanding balances in those two cards.

I was fortunate to get a loan with an APR of 5.99%. Did I make a good choice? Yes, because this rate was far better than those from the two cards. I saved a ton of money by not paying a lot in interest charges.

I highly recommend Accredited Debt Relief. It is rated A+ by the Better Business Bureau (BBB). It is the #1 Debt Company according to the Debt Consolidation Reviews.org. It is also an AFCC Accredited Member Highest Ethical Standards. Better yet, there’s no upfront fees and no obligation with Accredited Debt Relief.


Have you personally been in this situation before? What other tips do you know to help others get current with their bills?


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