Bills are a fact of life in the modern world, and while I technically have too many bills, I do seek to resolve that issue. In turn, when possible – I cut out whatever services that cannot be of value or is not affordable. I, in turn, have the following bills:

  • Essentials
    1. Shelter (inc. Utilities)
    2. Food
    3. Clothing (Typically Laundry)
  • Basics
    1. Medicine / Hygiene
    2. Transportation
    3. Communication
  • Automatic Recurring Bills
    1. Callcentric (E911 Service)
    2. Hosting
    3. Netflix
    4. Pandora Premium
  • Credit Lines (maintenance charges only)
    1. Amazon
    2. Capital One
    3. Chase
    4. Merrick Bank
    5. Walmart


These are the costs to cover the most basic essentials of life. Everyone needs food, clothing and shelter. These are a guaranteed no matter what lifestyle or income level you are in.


These are vital resources for modern living. Whereas if you didn’t have the essentials, you could likely die – these are not such so severe but assumed to be a need for everyone today.

Automatic Recurring Bills

These are bills that come through every month and are automatically withdrawn from a card number I provide. These bills are accounted for in the budget, and when the charge comes through, the bill is then paid.

Credit Lines

My credit lines aren’t being used at this time. Simply put, I won’t want to go back into debt with purchases at Amazon or Walmart. My Capital One card is carried with me to reduce the amount of cash I need to carry. If I use my Capital One card, the card then gets paid as soon as the transaction posts. My Automatic Recurring bills are split between my Chase Card, and Merrick Bank Card.

I used to have an American Express Card, but this was closed in July 2018. The reason for this closure is the card only provided $1000 at 26% APR. Neither the available credit or interest was of any good. Simply put, I went to other cards if I wanted to spend something.