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The average individual would be in a similar condition to the poorly run Federal "Government"!

We must genuinely be the peasants they believe us to be...because we pay them

rather than jail them!

If you spend less than you earn every month, it's irrelevant when the automatic withdrawals happen. The worst that can happen is that you might need to let some of your pay sit in a no interest checking account for a few weeks until the bills get debited.

Still, if this crescendo of bills coming due bothers you, you most likely can do something about it. For example, you can request your billing cycle on your credit cards be changed. I've done this on a couple of my credit cards, and the company was most cooperative. They don't really care when you pay their bill, as long as they get their money.

I have all my bills subtracted on the last day of the month. That gives me 4 weeks of saving the money I need to pay them. It also allows me to cancel one if I realize I can't afford it. What I do is I have my bank send the money instead of have the company take it out. That way I can just cancel the pending payment and send them a smaller amount if need be. All my bills still get paid on time but without the nervousness if I end up short.

Whether you can afford it or not doesn't depend on when they're withdrawn.

If you budget your money before the month begins, you'll be able to see where the money will go.

If you get paid on the 1st and the 15th, and all the bills are due on the 2nd or 3rd, then you need a plan to make sure that check you get on the 15th doesn't burn a hole in your wallet.

I think... I will faint! Honestly! I can't afford it. Maybe a rich person... but hardly! I can't provide my basic needs if everything was done through automatic withdrawal. Did you experience this?

Bunnie Bones

95% of mine are on auto withdrawal or auto pay...I simply called up the companies that I pay and moved my due dates around. Never had any of them say a word about it.

That being said my bills don't add up to more than my income for any one pay period. My wife is paid monthly and I'm paid bi-weekly so the first of the month is when our account is the fullest.

We have an interesting system in Canada. We give to all foreign countries and don't have enough money for our own people. In Toronto we are scrambling to repair our public housing. Yet Ontario has 6 billion to play around with. Whats that tell you.

Live on much less than you earn. You can also split up your auto pays to coincide with your paychecks. Pay some bills on the 1st, some on the 15th.

budgeting.... i have some bills automatically withdrawn, but made sure they are due the days after paydays

Viv,Being on social security disability you learn to do without alot of unimportant stuff ! It is all about priorities.