It really bugs me every time I received a disconnection notice from our utility bills. The electricity, internet, and water bills are the major bills that we are paying every month. I just hate it whenever we have an arrears and I couldn’t able to pay it. I am late in paying my bills because of my salary in blogging which is always late. I don’t like borrowing money from friends or even trying to apply for a cash loan. I just hope and pray that they will not cut off our lights, water and internet. Gosh! I can’t live without it!
Gosh! If only we have the freedom either to pay or not to pay our utility bills, then surely I would choose not to pay it. But we certainly have to since it is our obligation and we the ones who are using it. I just hate it when disconnection notice comes and I’m getting jittery how I could pay them within 48 hours. I don’t want to get disconnected on my internet.
It’s even more important that I should pay our electric bill. How can I continue doing my blogging task if we don’t have the electricity? LOL! I don’t have a credit card that’s why I pay all my bills over the counter. It doesn’t matter if I waited a long line waiting for my turn to pay because it is such a relief whenever I am able to pay all my bills.
There are times when we already made an appropriate financial planning but we just realized that its not perfect. Because everything we have planned is to anticipate something that comes without us realizing it. It’s also the same when we handle money specially when unexpected expenditure comes and its something that we never planned.
There are unexpected expenses that are truly unavoidable. However, they can be avoided. Just try to distinguish whether the item you see is really important or not. That way you can spend the money wisely.
You need to be prepared for the unexpected expenses because it is the best way for you to be ready since you don’t need to know exactly what is coming, all you need to know is that you can handle whatever it is just like having an emergency fund.
With an emergency fund you don’t have to resort to a credit card when an unexpected financial surprise comes up, and you can avoid the high interest and compounding interest of credit, and the new crisis it can create in the future.
To be prepared for unexpected financial issues, you need to know what is going on with your finances right now and you can do this by creating a detailed working budget. Enter your income and deduct your expenses, your savings contributions and your luxury purchases.