Are you not quite making it paycheck-to-paycheck? If the only thing in your pockets is lint and the late fees are piling up, you must change your habits. Study up on these 11 ways to change your finances if you’re barely scraping by.
Part of making a budget will be to look at your checking account and see what you spent your money on. If you haven’t been budgeting, you may be surprised you’ve spent quite a bit on fast food or other treats.
Once you know what bills you must pay, you should take note of the due dates and try your best to pay them on time. If you don’t want to fall behind on payments, you should pay your rent, utilities, and other important bills first.