AccountAnalyzer
You need to read a book called The Total Money Makeover by Dave Ramsey. It will give you a solid plan for your money.
Paying your food, utilities and housing in full every month are the basis of any budget. If you cannot do these things first, you need to cut back additional spending to where you can. Not paying normal bills on time is a horrible financial plan. You appear to be young, read the book above and you will have important knowledge for your future. Good luck.
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