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Nothing is more stressful than falling behind on your bills. If you find yourself needing more money just to pay your bills every month, it’s time to take a hard look at your finances. But no matter how hard things get, don’t give up! In this article, I’m going to give you some tips on what to do when you need help paying bills.

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What To Do When You Need Help Paying Bills

  1. Make A Budget

The first thing you need to do when you can’t make ends meet is make a budget. It’s crucial that you figure out where your money is going so you can stop the bleeding. If you don’t know where your money is going, you won’t know what areas you’re overspending or where you can cut back.

I personally use these budget templates every month to track my spending. It is the system I’m currently using for my budget, and it has helped me save over 50% of my income every month.

If you’re just starting you can use this FREE Monthly Budget Printable.  

free monthly budget printable
Once you figure out where your money is going, create a “leaner” version of your normal budget. Meaning this budget only includes your bare necessities ⎼ anything that’s a “want” is eliminated.

  1. Pay For Your Basic Needs First

If you need help paying bills this month, prioritize which bills you should pay first. Start with covering your necessities and basic needs first. Bills I would consider a necessity are:

  • Rent/Mortgage
  • Groceries
  • Water
  • Gas
  • Electricity
  • Transportation to/from work

Once you identify your necessities, prioritize your bills and the order that you’re going to pay them. Food (I mean groceries NOT dining out) and housing should be a top priority.

At this point, you should adopt a bare-bones budget where you cut your spending as much as you possibly can until you can improve your financial situation.

  1. Cut Back On Non-Essentials

how to reduce my utility bill

Once you cover your necessities, look at your other expenses and see where you can cut back or eliminate. Having your monthly budget set up will make it easy for you to see places you can easily cut. Definitely cut out anything extra like cable, Netflix, gym memberships, and any other unnecessary subscriptions.

You can also use a service such as BillShark as an easy way to cut spending. This money saving service helps negotiate better rates for all your bills. Once they negotiate a lower rate for you, they charge you 40% of your savings and you get to keep the rest–which means that they only get paid if they are saving you money. 

  1. Call Your Creditors


If you cut back all your non-essentials and you still need help paying your bills, it’s time to call your creditors. Most likely, your creditors are willing to work with you and will help you set up a discounted payment plan.

So, call your creditors and explain your financial situation. Ask them if they can temporary lower, suspend, or even forgive some of the loan until your financial situation improves. These actions may not stop your credit from being damaged, but it can help you get some time to get back on your feet.

  1. Get An Advance On Your Pay

need help paying bills

If you need money quickly so you can pay your bills, consider getting an advance on your pay with Earnin

Earnin is a mobile app that gives you access to your money as you earn it — without having to wait for payday. With Earnin, there are no fees or interest. You choose what to pay to support the service…and it could even be $0. It’s money you already earned, so you don’t have to ever pay it back.

This advance on your pay can make a big difference between being able to cover your bills and not.

  1. Earn More With Side Hustles

If you’re strapped for cash, and need help paying your bills, consider earning a little more money with side hustles. You can do things such as driving for Uber or Lyft; or something more passive like getting paid to do surveys with Opinion Outpost.

save 50 percent of income

Finally, think about selling some items to help you earn some extra money for your bills. Go through your house and see if there’s anything you no longer need or use. Once you gather all your items, you can sell your stuff on websites such as eBay or Craigslist. Not only do you get to declutter, but you also get paid for the things you no longer use—it’s a win/win situation.

  1. Save Money Where You Can

If after doing all of that you find you still need help paying bills every month, it’s time to set up another strategy. Cutting back here and there isn’t going to work. It’s time to make some drastic changes and focus on cutting larger expenditures —like housing, transportation, and food.

The reasoning is since most of our money goes towards the larger budget categories, those are the areas where you can make the biggest impact and recapture the most dollars.

pay debt faster

Since housing is usually the biggest expense we have, you should start with looking for ways to cut back on that first. Consider doing the following:

  • Live with roommates
  • Rent out an extra room in your house
  • Move to a cheaper neighborhood
  • Buy a less expensive home

If you’re not in a position to move right now, try to make some extra money by renting out ;s room(s) or your entire home when you’re not there. You can use platforms like Airbnb or VRBO.com to earn some extra money.

You can also save money on the things you already buy everyday by getting cash back from places like Ebates, Drop, and MyPoints.

Use the Ebates browser extension to make it even easier for you to earn cash back. The way the browser extension works is when you land on a store page, Ebates shows you how much Cash Back is available. Just shop as normal and then get paid by check or PayPal. It’s that simple.

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Although it is frustrating to struggle financially or need help paying your bills, it is important that you tick to your strict budget until you improve your financial situation. Make sure you cover your basic needs first, try to earn more with side hustles, and cut back any way you can. Follow these tips, and you will see your financial situation improve over time—just don’t give up!

If you want to remember this article, pin it to your favorite Pinterest board.

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need help paying bills pins