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. Hosting
    2. Pandora Premium
    3. Callcentric (E911 Service)
  • Credit Lines (maintenance charges only)
    1. Amazon
    2. American Express
    3. Capital One
    4. Chase
    5. Merrick Bank
    6. 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These are bills that come through every month and are automatically withdrawn from a card number I provide.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

I have a multitude of credit lines. I do NOT use a credit card to pay my bill or day to day expenses. To do this will be to live beyond the means. However, there is some debt that is being addressed as aggressively as possible.