Bills Got You Down? Create an action plan!

Does it ever seem like you put in hard work week after week just to send your money away to pay bills once you are paid?  Doesn’t this se
em unfair?  Isn’t your time spent working every week worth more than just enough to pay the bills and get by?   Do you ever think to yourself “how can I break this endless cycle of work, pay, work, pay, so that I can actually live!”?   If so it seems like your bills got you down, and it is time to create an action plan.

2161236298_313706cef6_bIf you go from paycheck to paycheck with just enough money to pay the bills there is some great news.  As you read this article you will be shown tools and techniques that will allow you to break free of this paycheck to paycheck cycle by reducing the cost of your bills!  You will learn habits that will act as your ladder to climb yourself out of this hole, how to begin living a life you consider “LIVING” and not just “getting by”.  The simple yet effective tools outlined in this article can truly change your life for the better so long as you take action and use some persistence allowing yourself to achieve results.

Assess your bills

This one is pretty obvious but many of us never take the time to actually assess our bills and find out where and how we can save on them.

To do this, first write down all of your monthly expenses and what the cost is.  For instance if my monthly expenses are as follows:

Rent- $1300

Water- $200

Electricity- $200

Phone- $75

Internet/television- $150

Car (payment/Insurance) – $200/$115

Then I may want to look at my water, electric, phone, and internet/television to see what I can do to lower my monthly expenses in these areas.


Water is an easy bill to lower.  Just find out where your water is being used the most and adjust from there.  A few ways to save water are:

  • Check faucets and pipes for leaks, even a small drip can waste around 20 gallons of water a day (you can check for leaks by reading your water meter, turning off all of your water for 2 hours, and then rereading your meter.  If  it shows water being used you most likely have a leak)
  • Do larger loads of laundry instead of multiple smaller loads
  • If you have a dishwasher use it instead of hand washing your dishes
  • Get the members of your household to agree on a time limit for showers
  • Fill a 1-2 water bottles with rocks or sand and place in your toilet tank. This will reduce the amount of water used each flush. (you can also use an adjustable flapper so your toilet fills less)



Much like water there are many different ways we can save on electricity costs.

  • Switch your bulbs to CFL (compact fluorescent lightbulbs)
  • Use Dryer balls to dry your clothes in less time
  • Plug electronics into a power strip and turn the strip off when not in use
  • Full loads of laundry instead of several small loads
  • Keep your AC filter clean
  • Consider solar panels to greatly reduce energy costs
  • And then the obvious- turn off electrical appliances when not in use (including lights and fans)



To lower these bills you may have to do a bit of research and deal hunting to see if you can save by switching companies.  But the research is definitely worth the time once you lower each bill, even by as little as $10-$20 a month.


If you are short on cash to pay your bills this month you may want to consider using a cash advance to avoid losing your water, electricity, or other utilities.  You can apply for a loan now by clicking below.

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4 thoughts on “Bills Got You Down? Create an action plan!”

  1. It’s in reality a nice and helpful piece of info. I’m happy that
    you simply shared this useful info with us. Please keep us informed like this.
    Thank you for sharing.

  2. LOL. I never thought placing water bottles in my toilet tank would save me money on my water bill.
    Doing that tonight

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