There’s no way to put it nicely: paying bills is overwhelming. Whether a family has had chronic issues with debt or struggling to make payments is a new situation, dealing with financial struggles is an issue that all families face at some point. Fortunately, there are a number of ways to handle the anxiety and stress that come with paying bills, as well as many ways to reduce overall debt and minimize spending costs. Some families turn to a California pay day advance during times of trouble. For the most part, however, this is a temporary fix. It’s important to address the overall issue of debt to determine exactly how your spending affects your budget. Even more important, perhaps, is to create a budget that works with your lifestyle. If you find that even through creating a budget you are still swimming in debt, it might be time to evaluate how many of your life choices are truly necessary and which ones you can live without. Examples of things to cut down on are shopping sprees, back-to-school clothes shopping, television packages and even family excursions. Consider eating at home a few nights a week instead of heading to favorite restaurants. Soon the savings will begin to add up.