<prompt> Human: Im 18 and Im currently paying a few bills but, I noticed one thing I do to ensure my safety, as I fear debt. I pay bills early as I can and often months early. An example, my phone bill is paid 4 months ahead, my insurance is either paid in full or 3 months early. What I mean by overestimating. Lets say I have a salary of 1,000 I make way less bi-weekly that I need to manage correctly. Lets say I have 3 bills: insurance, phone, and car payments. My car is 259 a month, insurance is 345, and phone for 75. Ill round all these bills up to the next hundred, so car 300, insurance 400, and phone 100. That way I know I will at LEAST have 200 but incidentally have a little more money. What I mean by underestimating is, well, Ill just use my current wages until my promotion occurs. Right now I make roughly around 730 - 770. But I always round all my wages down to 700. So I asked my family and relatives if they overestimate and or underestimate their wealth and they all say no. So, I want to know if this is a safe thing or even recommended.Sorry if this seems vague or unclear.  <response>: What you are doing is the financial equivalent of setting your clock ahead in an effort to be on time when you usually run late. If you need it, and it works for you, theres no real harm. Theres no reason to do this if you dont need to, and it doesnt sound like you need to. 