Saving money on bills can be difficult but not impossible. First make sure all of your credit cards are under their limits. The companies charge you $35.00 a month ontop of interest when you are over-limit. Second make sure you mail your bills 10 days before the due date to make sure you aren’t hit with late fees. These are the easiest ways to get organized. After you’ve done this look into cards with itroductory interest rates of 0%. They won’t give you that rate forever but for 12 sometimes 18 months you can carry your balances interest free! This means 100% of your payment goes toward reducing your balance. Using these methods should help you to reduce your monthly payments and save your hard-earned money for yourself!