If it feels like there’s never quite enough to cover everything, you’re not alone.

A quarter of American households are living paycheck to paycheck — making it harder than ever to stay on top of monthly bills. With inflation stretching budgets thin, many people are facing impossible choices about which expenses to cover now and which must wait.

While there’s no one-size-fits-all solution, these key strategies can help you take control and prioritize your bills with confidence. 

1. Food and Groceries
Ensuring you and your household have enough to eat is a fundamental necessity. Prioritize setting aside a portion of your budget for groceries before addressing other expenses. To stretch your food budget further: 

• Plan meals ahead of time to avoid impulse buys. 
• Use store loyalty programs, coupons, and cashback apps to maximize savings. 
• Buy in bulk for non-perishable essentials and look for generic brands, which are often more affordable. 
• Consider local food banks or community assistance programs if you need temporary relief. 

2. Housing
Keeping a roof over your head should be a top priority. Whether you rent or own your home, missing payments can lead to profound consequences, including eviction or foreclosure. If you’re struggling: 

• Contact your landlord or mortgage lender to discuss potential payment plans or hardship assistance. 
• Review your lease or mortgage terms to understand your rights and responsibilities. 
• Check if you qualify for government or nonprofit housing assistance programs. 

3. Utilities
Essential utilities such as electricity, water, and heating should be paid to maintain a safe and comfortable living environment. If your utility bills are overwhelming: 

• Contact your utility providers to ask about budget billing or hardship programs. 
• Reduce consumption by using energy-efficient appliances, turning off unused electronics, and setting thermostats wisely. 
• Consider downgrading or suspending non-essential services like cable TV or premium Internet plans. 

4. Transportation
Reliable transportation is crucial for getting to work and handling daily responsibilities. Prioritize car payments, public transportation costs, or other necessary commuting expenses. If high costs are straining your budget: 

• Explore carpooling or public transportation options to save on gas and maintenance. 
• Check if you qualify for discounted transit passes or commuter benefits from your employer. 
• If you own multiple vehicles, consider selling one or switching to a more fuel-efficient model. 

5. Insurance Premiums
Health, auto, and home insurance provide financial protection in emergencies and should remain a priority. While insurance premiums can feel like an unnecessary expense, not having coverage can be even more costly. 

• Review your policies to see if you can adjust coverage to lower your premiums. 
• Shop around for better rates or bundle multiple policies for discounts. 
• If you’re struggling to make payments, contact your insurer to discuss temporary relief options. 

6. Child Support and Financial Health 
Child support payments are legally mandated and should be considered a top priority. Failure to pay can result in penalties, wage garnishments, and even legal action. If you’re struggling to keep up: 

• Contact your local child support office to discuss modification options if your financial situation has changed. 
• Utilize state programs that offer aid or mediation services for payment adjustments. 
• Prioritize these payments to avoid legal consequences and ensure the well-being of your child. 

7. Minimum Credit Card Debt Payments 
Debt payments, such as credit card debt, medical bills, and personal loans, should still be addressed, but they often fall lower on the priority list compared to necessities like housing and food. If you’re struggling: 

• Reach out to creditors to explain your situation and request hardship programs, reduced interest rates, or extended repayment terms. 
• Focus on making minimum payments to avoid penalties and damage to your credit score. 
• Consider a Debt Management Program, which is designed to lower your monthly payments and eliminate debt within three to five years. 

In navigating these financial responsibilities, we understand that life can present challenges, and we encourage you to reach out for support and explore options that ensure the well-being of your home and peace of mind.  

This article is shared by UnitedOne Credit Union’s partner at GreenPath Financial Wellness, a trusted national non-profit. Need help sticking to your financial goals? GreenPath Financial Wellness provides personalized plans for lasting debt relief. Call GreenPath at 877-337-3399.

Questions? We're happy to help!

Call or text UnitedOne Credit Union at (920) 684-0361 in Manitowoc or (920) 451-8222 in Sheboygan or email us at mail@UnitedOne.org.

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