Most companies will work with you, to get back on track with your bills. I dont have much of a strategy. My husband and I deposit all our monies into a chequing account. Once a week, I will transfer funds via the computer, (I am paid weekly, he is paid biweekly) to our savings, Once a month I pay my truck payment, credit card, hydro and cable online. My telephone and my internet is taken directly out of the account so I dont have to worry about that.

Now if only I could get the computer to do my grocery shopping, life would be good. Seriously....I used to have difficulty too. I just had to take matters in hand and it is so nice now to not have to worry.