When money is short, the order you pay bills matters as much as the amount. Here's the priority order I use with clients.
Priority 1: Keep a roof and the lights on
- Rent or mortgage
- Electricity, heat and water
Priority 2: Get to work and eat
- Groceries
- Car payment, insurance and gas — or transit
- Phone (needed for work and job search)
Priority 3: Secured and legally required debts
- Child support
- Tax payment plans
Priority 4: Unsecured debts
- Credit cards, medical bills, personal loans — call to arrange hardship plans
Priority 5: Everything else
- Streaming, memberships, non-essentials — pause them
Coach's noteCall before you miss a payment. Utilities and many lenders have hardship programs — but they're far more flexible before an account goes past due.
If a small timing gap is the problem, a Vola Finance advance can bridge it. If the gap repeats every month, see breaking the paycheck-to-paycheck cycle.
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