<prompt> Human: I get paid every other Friday. Not a lot, and if I did a budget, I dont make enough to cover all my bills. One payday pays the utilities, the other pays the rent. On the utilities payday I panic about what if and saving money to help on the tight payday when I pay rent. What happens is that I dont pay all the utilities and by the next month Im behind, and all the money I didnt spend on bills sits in the bank and is slowly whittled away. I do this because I am terrified of going a week without any money in the bank. Does anyone else do this, and how did you get over the fear of being at zero in the accounts? I try to save a little out of each payday, but end up spending it somehow. I think being at zero would be a good thing, Id not waste money, but Im still scared. Edit: Removed help, since I am not really looking for help. Thanks for the advice, but its what I already knew. I was curious if anyone else was like me and scared about ending up at zero with a few days till payday. Id love to earn more, but Im balancing a second job with spending time with my teens and wife.  <response>: You need to either increase your income, or lower your expenses or probably both.Not paying your bills on time means youre probably getting charged with late fees, which is stupid if you have the money in your account to pay them off. 