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Old 02-10-10, 04:46 PM   #1
powerhouse
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Poll: What expense(s) do you pay first?

When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

Of the following, which expense(s) do you pay first and why? Please discuss.

1. HOUSING: Rent or mortgage.
2. Food.
3. Medications prescribed by a physician (not illicit drugs of addiction).
4. Electricity.
5. Heat.
6. Transportation.
7. Other.

Last edited by powerhouse; 02-10-10 at 05:06 PM.
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Old 02-10-10, 05:36 PM   #2
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Order of importance. Always paid on time:

Housing (rent)
Electricity (no gas in my place)
Credit cards (if there is a balance)
Car and home owner insurance
Cable/DSL
phones (cell and landline)
401K contribution
Savings

* * *

Car's paid off
Cards paid off
Never use heat - will use air in the summer
Food I buy what I need and I can afford. I don't go out much
Gas necessary but I do conserve fuel and only drive by car when necessary
medications - only on one - insurance covers most of it
health care - necessary evil but necessary - my employer subsidizes it but I make sure I have it
Gym membership
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Old 02-10-10, 06:01 PM   #3
HardyWeinberg
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mortgage, savings, and tv(?) are automated, everything else I pay when it's due.
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Old 02-10-10, 06:02 PM   #4
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I have no idea on the order.....I have the bank take care of all that. I develop a new bill, I send it to the bank and they automate it if it's a recurring payment, and if it's a one time thing, I just use Visa.
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Old 02-10-10, 06:14 PM   #5
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Quote:
Originally Posted by powerhouse View Post
When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

Of the following, which expense(s) do you pay first and why? Please discuss.

1. HOUSING: Rent or mortgage.
2. Food.
3. Medications prescribed by a physician (not illicit drugs of addiction).
4. Electricity.
5. Heat.
6. Transportation.
7. Other.
1. Superanuation scheme: it comes out with my wage taxes before I even get my net pay.
2. Mortgage: I want to keep having some place to live. paid when I get paid.
3. Utilities/Rates: I like being able to have hot showers and then surf BF. cooking also is good. Usually paid on the day I get paid.
4. Food. I like to eat.
5. Medication: it's only a three monthly bill so I pay it irregularly but before buying groceries.
6. Everything else. What ever is left.
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Old 02-10-10, 06:21 PM   #6
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What is this 'budget' that you speak of?
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Old 02-10-10, 06:24 PM   #7
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we own our home so no morgage or rent.

food for the month. (including dog and cat food)

utilities, electric, gas, water, and oil in the winter.

all else can wait, like gas for the vehicles, and cable which includes phone and interwebz, and if it came down to it electric, gas, water, and oil could kiss my ass too!

no meds legal or illegal.
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Old 02-10-10, 07:11 PM   #8
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1. Housing. You gotta live somewhere.
2. Medication. Keeps your body in good shape.
3. Transportation. Gotta get to work. Could always starve a little or bum food off people. Harder to bum medication or transportation off people every day.
4. Food.
5. Electricity.
6. Heat.
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Old 02-10-10, 07:51 PM   #9
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1) Housing comes first (rent in my case)
2) Electricity is my heat, it comes second as losing the food in the fridge or my alarm clock would be an issue.
3) Food. It's hard to be alive without it. If stuff is tight it's a minimal amount, everything is from scratch, less meat.
4) Meds, assuming they are something you need to take opposed to an elective (acne meds or birth control for example)
3 (again)) Assuming the above is paid for, enough food to be happy with what I eat.
5) Heat/AC. I'll keep the place warm enough to prevent the pipes from freezing no matter what, but since it's in my lease that's part of rent in my mind. The choice to turn the heat from 50* up to a more comfortable 65-70* is lower on the list, and melds with the nicer food part.
6) Transportation. The first thing is that I don't believe in taking loans for depreciating assets. As such I don't have, and likely never will have a car loan. Note that I also drive a POS and will do so until the 6 figure student loan gets paid off.
7)Other.
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Old 02-10-10, 08:27 PM   #10
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Hmm,
0. I pay myself first. Savings.
1. Fixed amount set aside for health care. Insurance plus pre-tax health savings account.
2. Fixed amount set aside for food. Starvation is unhealthy, costly in the long run, and makes it hard to ride.
3. All other bills are paid as they are due. (from essentials like utilities, to discretionary like Netflix, cell phones and Internet)
4. Fixed amount for pocket money.
5. Any extra goes against debt reduction (e.g. extra mortgage payment)
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Old 02-10-10, 08:30 PM   #11
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Quote:
Originally Posted by powerhouse View Post
When you sit down to pay your bills, there may be more bills than usual and/or costs may be higher than usual. However, your financial abilities currently make it so that you have to keep a budget and prioritize about which bills you pay immediately and those you put off.

Of the following, which expense(s) do you pay first and why? Please discuss.

1. HOUSING: Rent or mortgage.
2. Food.
3. Medications prescribed by a physician (not illicit drugs of addiction).
4. Electricity.
5. Heat.
6. Transportation.
7. Other.
Food first because you can't survive without it.
Housing second because you need a shelter.
Heat third because it's cold out there.
Electricity forth because most heating systems won't work without it and you need a refrigerator.
Transportation fifth but a what kind? The bike is the cheapest.
All others last.
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Old 02-10-10, 10:37 PM   #12
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#1: Loan shark


Everything else really isn't that important.
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Old 02-10-10, 10:55 PM   #13
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Charity is the first check, helps put my priorities straight.
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Old 02-10-10, 11:09 PM   #14
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Charity is the first check, helps put my priorities straight.
I applaud you for this.
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Old 02-10-10, 11:12 PM   #15
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I pay me first, then my bills. Boring, but it works.
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Old 02-11-10, 08:20 AM   #16
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1st -Tractor
2nd - Rental properties mortages
3rd - any credit cards
4th - cell & landline phones
5th - electric
6th - trash

(auto insurance, internet are automatic)

no home mortage, car loan, water/sewage or heat bill (free gas). I don't look at food as a "bill" - it's a pay as you go item.

Then there are the occassional bills: IRS Quarterly, State Quarterly, life insurance, home insurance, property taxes. Pay these (except IRS) when they come in.... pay IRS/State quarterlies when I have spare $$, and even then someone has to hold my hand down to push the "send" button.
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Old 02-11-10, 08:33 AM   #17
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#1: Loan shark


Everything else really isn't that important.

that's so true. i can't believe no one else gets a bill from the mob for protection.
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Old 02-11-10, 09:30 AM   #18
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I pay everything the second I get it.
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Old 02-11-10, 10:09 AM   #19
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I pay everything the second I get it.
Me too. Well, maybe not the second I get it but within a day or two.
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Old 02-11-10, 10:34 AM   #20
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Quote:
Originally Posted by cia dog View Post
Food first because you can't survive without it.
Housing second because you need a shelter.
I put housing ahead of food. You don't pay your rent/mortgage and you'll get booted to the curb, but you can always find ways to get free food. (I spent 6 months homeless; trust me, there's more free food out there than you'd believe.)
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Old 02-11-10, 01:28 PM   #21
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I don't quite understand the question, although everyone else apparently does.

We pay all our bills on time, so the "order" is simply the order they are due each month. Some bills are paid automatically, whereas others are paid as the statements come in the mail/email.
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Old 02-11-10, 01:28 PM   #22
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Guido gets paid first. After my legs are safe, then the utilities and groceries.
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Old 02-11-10, 01:32 PM   #23
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All bills are paid around the time they come in. I do make sure the mortgage goes on payday.
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Old 02-11-10, 03:19 PM   #24
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Cycling expenses don't even make the list? Y'all are weirdos.
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Old 02-11-10, 03:54 PM   #25
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Cycling expenses don't even make the list? Y'all are weirdos.
My bike needs little maintenance if at all (I'd buy a new bike but photography equipment is higher on my "need" list right now).

My typical list of priorities is as follows:
1)Rent
2) Haagendaazs
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