Update........

Well I got a notice of my biggest bill... saying I'd not payed my recent payment! Turns out, it was dated the same day (the day we'd arranged I'd pay and the day I started this thread!) I paid. I'd also had a problem paying online or something- issues with the technicalities... so maybe why the one didn't go through right away, BUT it shows in my online banking as having gone through so it DID. Anyway, I went and signed up for automatic payments. Now I need to make SURE I have the payment amount in there and no more worries about late payments. Unfortunately, due to my horrible year last year and manic issues and etc. etc. I am in this huge yucky hole. This isn't even my only bills. Just my biggest. I really need to sort through all the other "small" bills and sort them out one by one. Ugh. I also need to curb "outside" spending- but I can't reason that I spend ALL my money on bills, can I? Then again, there's a difference between that and the amount I spend on coffee- this I know! I rationalize the coffee as my mental sanity before work time with a book- but hey- maybe not every day. Maybe my love handles would go down some too.