OP, one thing you can do to keep your life straight is very religiously pay your bills on time. This helps with your credit and if you don’t have much money, credit is super important.
I come from the same kind of background as you, and sometimes anxiety makes it really hard to pay bills. I made a spreadsheet on my computer with all the bills on it. I included the phone numbers, account numbers and the amount due, the due date and the meter read date. Then I put the amount I paid and the date I paid it. I would do this around the first or second of the month, just go down the list and pay each one. Then I don’t forget any of them.
This way I know when the next bill is due and approximately how much it’s going to be next month. If you do it for a year, you know what the typical electric bill is for August, for example, and you can plan. There are computer programs you can buy that will do the same thing.
If you don’t have a computer, you can go to an office supply store and buy an old fashioned ledger book. Write the whole thing out the first month and then you have all the account numbers on the first couple pages. Sit down the first of the month when you get paid and do them all. If you can only pay some the first two weeks, and some the second two weeks, write in the ledger which day you paid each one.
You have to pay credit cards on time every month or it kills your credit. Don’t be even one day late, they will raise your interest rate.
If you don’t have much money, pay the minimum payment the first day it rolls over. Then, if you get to the day before payday, and you have some extra money left over, put as much of your leftover money on the credit card bill as you can. Or pay the minimum payment on the first paycheck of the month, and schedule a second payment on your second paycheck of the month. Even if it’s only $20. The first payment pays the interest. The second payment is all principal.
Don’t empty your bank account to zero. Bank overdraft fees add up fast. Always keep some extra money in there for when you go to McDonalds or have to get some gas unexpectedly. At least keep an extra $40-$50 in there.
Try to keep a couple hundred in the bank all the time. If you can’t, check your balance right before you pay the bills, make sure there’s enough money for all of them and watch your account for the next couple of days as each one goes through the bank. Write down what day they cleared on your spreadsheet. If you have payments automatically withdrawn from your account, watch it! They can be paid early or late too.
If you pay a bill and they hang on to the check for a long time without cashing it, like rent checks sonetimes, highlight it and keep checking the bank every day until it’s paid. Remember that money is coming out later and don’t spend it. That’s the easiest way to overdraw.
Overdraw fees and late fees can really fuck you up, especially if a lot of small debits hit one after the other and a bunch of them bounce. They will charge you a fee for each one and fees alone can add up until you can’t dig your way out, if money is very tight.
If you have little money and want a good credit rating, never use more than 50% of your credit card limit. Pay your bill the first day it’s due, not the last. This has to do with your “average days to pay.” If your billing cycle is thirty days to pay and you pay five days after the bill is due, you will end up with “five average days to pay.” That’s really good and helps keep your interest rate down. Pay credit cards within one or two days of the date the new bill first comes out. Jump on it immediately. Don’t even wait for the bill in the mail.
If you pay some bills by phone, they will only let you make a payment every 48 hours. So pay the minimum at least. Don’t make a partial payment.