You are definitely not alone, I can't tell you how many times bills have not been paid, I forgot I had library books and magazines out and right now have a....$155 fine, I almost dropped dead, luckily the very nice man there took pity and dropped it to $20 which is amazing.

I agree with Mark, pay what you need to survive.

I also cannot find anything, to give you an example, tomorrow I see a neurologist, have had the appt for 4 months yet this evening I am going to have to sort through a mound of paper work to find out the address of where I need to be tomorrow at 8 and fill the paperwork out.

I have been saying for months that I am going to file all my paperwork, this is the only way I know of that will help when looking for things, mind you then I'll forget to go to the file so....

Now every single night I know to put due bills right by the coffee maker where I will see them doesn't always work but it helps and I juggle the money, ask for extensions, never had a problem with that.

My credit is kaput but that doesn't bother me anymore.