Uurrhh!!! I hate bills!! Who don't?? No one likes them. People say it's good to have commitments because they can make you work harder for money. We ended up buying bigger houses, faster cars, posher clothings and the list goes on and on........... But then again too many commitments will put you into unnecessary stress, which you definitely don't want it to happen.

During this time of economic uncertainties, many people will have a hard time keeping up to their commitments. They might feel the burdens from the commitments that were agreed or conceded previously. Probably due to higher earnings at that period of time where such payments may not appeared as any form of liabilities at all.

I'm sure many people have fallen victim to this situation. I'm no exceptionally neither. We can't run away from bills but we can minimize them. We can do some adjustments on our expenditure by not committing ourself into any big or unnecessary purchases for the time being. Don't ever try to ignore bills because their accumulations will only create a bigger disaster for you later in life. Scrutinise our earlier made commitments to see whether any of them that can be voided out or perhaps can be opted for other cheaper alternatives. Be prudent in our spending and learn how to manage our own financial wisely. Get expert's help if you need to.