I have listed several methods and circumstances below that may help manage setting up your budget and begin to pay those overdue bills. Since there are as many different budgets as there are people that try to set them up, this list may not be all inclusive. It may, however, give you some ideas that will fit your individual problem.

Unless you don't have any income at all, there are a couple of things that should never be late. Your rent or house payment and utilities should be paid first, even at expense of other bills. This is simply a matter of survival.

The first thing you need to do when setting up a budget is to determine how much actual take home income you have. Then determine amount of your normal bills and expenses. The Complete Budget and Bill Organizer http://www.homemoneyhelp.com/BBOonline.html explains this in greater detail and provides forms to put it on paper.

The below methods assume that you have enough money to cover your normal bills and expenses but have some bills that have an amount that is overdue:

When you are setting up your budget and have overdue bills you need to cut your expenses to bare bones. This doesn't mean going without food. However, there are many ways to cut back on expenses. You can find hundreds of them by visiting my Budget Stretcher Partner sites listed at http://www.homemoneyhelp.com.

You should always make initial contact to company any time you aren't able to pay a bill on time. Once you have your budget setup, see if there is any money left over to start paying amount that is behind. If you do have some money left over, when you contact company, find out if they will accept paying a little extra each month, without penalty, until overdue amount is paid in full.

Contact a your local Consumer Credit Counseling Service. You can find them in your phone book. They can assist you by contacting your creditors and establishing a payment schedule that will fit your budget.

The key to ensuring strong self-esteem and a positive body image starts with parent. If you don’t feel positive about your self-image, then how can you expect your children to? While this is important for both daughters and sons, it is especially critical for raising a healthy daughter. And beginning lessons when a girl is young is imperative, so don’t wait until it’s too late – teaching your daughter to feel good about her body needs to start at a very young age.

Eating disorder experts say girls are developing eating disorders as young as 5 and 6 years old. And a recent study indicated that 70% of sixth-grade girls they surveyed said they began worrying about their weight between ages 9 and 11. Why are so many young girls thinking that they are fat? Many are obsessing about their weight because they have parents who are preoccupied with their own poor body images.

While statistics are disheartening, good news is that there’s a lot that can be done to help our children have positive self-images. And, even small changes that parents make can help. Here are few tips to help your children avoid warped and negative body images: