We all have regular bills that we have to pay each month, quarter or year. These include things like mobile phone, television services, landline phone, electricity, water and gas. These are services that most of us use and want to keep using. The problem is that we do have to find the money to pay for them and sometimes it can be a struggle. Even if we are working and have a good income, it can be that these bills get hard to pay and we may find that we start slipping behind a bit in our payments. It can start to build up a bit and can be a cause of stress for us or we can be in the situation where we are being threatened of being cut off due to not paying them. If this happens we can get very worried and stressed and this does not help as we can tend to end up panicking and not thinking through the options carefully. It is worth trying to stay as calm as you can and working through things methodically.