Pulling together your finances to a point that you can effectively manage is really important, it not only means that you will be able to control your debts, but also means that you will be able to cover your bills with the money that you have available.  Avoiding the task of monitoring your budget is tempting, but by doing this you have no idea when you have a financial disaster coming.  A god idea is to consider a No Fax Payday Loan to help you get your hands on some really quick cash so that you can cover your debts when they are due, rather than afterwards when you are completely broke.