No one likes to be surprised that they have no money to pay their bills. Start to budget your money so that way you don’t become stuck in a bad situation. Begin to put money aside when you can, so that way when something unexpected comes up, you will be able to cover it WITHOUT making yourself broke. Budgeting your money also can help with stress. When you have your money in order, you can breathe a little better. It is a good feeling knowing you are in a comfortable position. It is always fun to treat yourself but if you limit it to special occasions, you will be more capable of making your payments.