Why don't I pay my bills??????

Question

My husband and I are 29 yrs old, have 2 children and a house. I stay at home during the day suposedly 'taking care of the house'. I don't clean on a regular basis. I never pay my bills on time. In fact, we've had our phone shut off twice and the gas once. Its not that we don't have the money...my husband brings home $2400/ month and I bring home $1200/month.
I just simply don't pay our bills. We end up nickle and diming all our money away and never have anything to show for it. Except for bill collectors calling us (I just don't pick up the phone).
Then I end up not sleeping and worrying all day that our utilities are gonna be shut off.

How can I fix this? I love my home and our life so why can't I 'take care' of things better?

Is there a name for this problem?

Answer 1

A name, I dunno. Just sounds like you both have to grow up and take care of your responsibilities.

If not for you, do it for your children. Don't let them learn all of your bad financial habits. Because they will think it's ok not to pay bills when they are in their 20s.

Answer 2

I stay home "taking care of the house" too, but I hate cleaning, so I need help on that part.

However, I do pay the bills. A long time ago I wrote down all the bills that we had to pay monthly, and all the income we got, and which bills were going to be paid on which paycheck, depending on due dates.. Then I pay the bills before I do anything else, like going out to eat or spending it on anything. I

Personally I despise mailing stuff out, so I pay almost all my bills online or by phone with my debit card. You don't have to wait for a check to clear (therefore you won't spend it waiting) and the money will be gone immediately, and your bills will be paid!

Answer 3

in the path of the mail, with verify. i admire written information.Or with a verify, in guy or woman, I hate postal costs. online, in basic terms with credit card: they watch those transactions and that i will contest a fraudulent cost. The IRS catches each little thing I do. Carpet. It soaks up the echos from my Thiel audio equipment. My rooms may be too acoustically "stay" in the event that they have been linoleum or hardwood. Kitchen and baths are, of path, tile. i'm not completely without classification. i've got have been given an including device series. It includes many fashions that calls so you might spin a stylus around a line of rotary numbers. have been given them from my mothers and fathers, alongside with a Bomar strategies, which value the mothers and fathers a fortune. All very relaxing machines. I generallly use a loose promotional calculator while i desire one, or the only that Microsoft substitute into so beneficiant to incorporate in my working equipment.

Answer 4

"Is there a name for this problem?"

Yes.

You are obviously depressed to some extent and it interferes with your ability to function (cleaning, paying bills, inability to accomplish simple tasks like paying bills, mindless spending, etc).

You need to do 2 things. 1) see a therapist and possibly get some antidepressants and 2) do some pro-active things like set up a budget and schedule.

You may have to do this in baby steps if it is too overwhelming. Ask a friend or relative to go through your mail and sort out the bills from the junk. Let them write your checks, you sign them, then they mail them for you.

With that worry gone, you can work on the other stuff one by one.

If you don't treat the depression, all the advice in the world on budgeting, computer software, etc isn't going to help one bit if you are simply unable to function because of the depression.

Answer 5

Sounds like a psychological issue. Perhaps you should consult a therapist. You obviously know what you are do is wrong and yet you do it anyway. Why don't you try writing out every single penny you spend for about a week. You will be amazed as to how much you waste. Then create a budget and stick to it. Look into Dave Ramsey's money makeover

Answer 6

the Dave Ramsey total money makeover was an exellent suggestion. If you pay your bills as soon as they come in then you won't have to worry about them, and the bill collectors will stop calling. less worries means less depression, and a better life will follow.

Answer 7

I totally agree with boo's mom. make your self a budget on your computer, list all your expenses in columns and when the bills come in I put them into the columns in red and on payday I pay them through on line banking and color them black. I also put in a column for a savings account and deposit what I can into it and make that figure bold. It's amazing how much you can save in a year when you see it grow on the computer. You need to get organized, write yourself a daily list what you have to do that day and prioritize and you will feel happier.

Answer 8

You need a budget. That way you can look at all your bills with the due dates and amounts all together.

I use one in Excel, and I'll be more than happy to email you a copy if you want one.

Answer 9

I do the same thing I can not function. I have been diagnosed with severe depression and take medication and see a head doctor. I would love to talk to you. I thought I was the only person like this.
[e-mail]

Answer 10

The problem is called depression.