How to Get One Month Ahead of Your Bills in Less Than 30 Days

How to Get One Month Ahead of Your Bills in Less Than 30 Days

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How to Get One Month Ahead of Your Bills in Less Than 30 Days

Your bills are never ending but did you know you can get one month ahead of your bills? They feel like they’re endless and unless you are an extreme minimalist providing your own power and leading a self-sufficient lifestyle, you’re guaranteed to have to pay bills every month.

So, the majority of us have to pay bills. It’s a given. We know that. Paying bills is a part of life but that doesn’t stop it from feeling very stressful, especially if you’re living paycheck-to-paycheck.

A solution we found is to get one month ahead of your bills.

Imagine feeling peace of mind knowing that you’re actually ahead of your bills and to be honest, the process is super easy and it can open doors to helping you live a financially independent life.

Once you accomplish getting one month ahead of your bills, you’ll be one step closer to reaching your savings goals and building wealth.

Doing this can help you accomplish things like paying off your car in 6 months or less, saving for your child’s education, and growing your nest egg in a rapid-fire kind of way.

If this all sounds interesting, keep reading while we uncover how you can get one month ahead of your bills in less than 30 days.

Don’t forget to bookmark this post that you can come back to it later.

When is the right time to get ahead of your bills?

The right time to get ahead of your bills is now! The sooner you start this plan, the faster you’ll be one step closer to reaching financial freedom.

Regardless of what your goals are, retirement, saving, paying off debt, we know that if any unexpected scenario were to arise it could totally throw a dent in your financial picture.

That’s why getting ahead of your bills is a great idea and something that everyone should do, in our opinion.

For example, last summer my husband needed multiple emergency root canals that set us back a few thousand dollars! 

And then a few months later he got into a car wreck when she was able to walk away from uninjured, so we’re super thankful for that, but the cost of the car insurance deductible, deposits for rental car, and other costs we’re unexpected and these two events can happen to anybody at any time.

These are examples of unexpected expenses that can arise in your life and when they do, you want to make sure that you’re financially prepared.

How to get one month ahead of your bills in less than 30 days

Okay, so here is the plan.

First, it starts with a strong budget.

You need to make sure that you have a budget and place that works for you and your family.

Don’t let anything or anyone influence how you budget create a budgeting strategy that works for your family whether that means including 2 fast food trips during the month or Starbucks runs or a monthly movie theater family night.

Everyone’s lifestyle is different and having a budget does not mean that you have to sacrifice your life in every way (at least not forever).

With that said, we are talking about getting one month ahead of bills here so some sacrifice and cutting back will need to happen because the focus to make this work is going to be to minimize your expenses and save, save, save!

In order to  get one month ahead of your bills, you need to have an entire month’s worth of expenses saved up.

Start by calculating all those expenses including rent, utilities, credit card payments, student loans, food cost, gas, etc.

Doing this will help you live off last month’s income rather than living today and you’ll be able to achieve financial freedom.

With your budget in place and knowing how much cash you need to save create a goal for yourself to put that money towards a savings fund that will cover an entire month’s worth of bills.

Once you reach this goal and you have savings you can resume with your long-term savings goals.

How to Get Cash In Savings Fast

Here are some tips on how to get extra cash in the next 30 days:

  1. Create a family no spend month
  2. Monetize your hobbies
  3. Declutter your home and sell off your extras

Pay close attention to these 3 things and think about ways you can make them work in your household and you’ll start to quickly see the opportunity to build your monthly ahead savings.

Other things that you can do to create quick cash fast?

Consider getting a side hustle.

This doesn’t have to be long-term, you can do this just for couple short weeks or a few months for the purpose of building up your savings and there are a ton of different hustles that you can do that are flexible and work around your current schedule.

Some even allow you to work from home.

Check out this article on the 8 best side hustles of 2020 to give you some inspiration.

What are my favorites?

You can make up to $500 a month with survey taking.

Getting paid to take surveys is super easy, you don’t need any text skills, experience, or special skills to do this and you can work from your home computer or cell phone taking surveys 24/7.

You won’t be able to make a full-time income with this but you can earn a part-time income earning up to around $500 a month or more.

The key to making the most money with survey taking is to join multiple survey sites.  

Joining service sites is free and you’ll be able to have a clear picture of how much each survey pays, how much time is required to complete the survey, and more.   They will pay you via direct deposit, PayPal, check, gift cards, rewards, and in other ways.

Our top 3 survey companies we recommend are:

  • Swagbucks ($10 bonus to join): Multifaceted site with many different ways to make money including watching videos, taking surveys, and more.
  • Inbox Dollars ($5 bonus to join): Take surveys using their app right from your cell phone | for Android | for Apple Iphone
  • Pinecone Research (highest paying): Take surveys online super easy. Higher paying survey company.

Final Thoughts

So, there you have it!

Our plan to help you get one month ahead of your bills and less than 30 days. You see it is a lot simpler than you might have thought. If you’re serious about doing this, we recommend that you start now. 

What do you think? Share your thoughts down below in comments.

Recommended Reading

Recommended Resources to Increase Your Income and Save Money

Credit Firm

Credit is something that you definitely need in life.
It affords most people the ability to buy house and buy a car as well as finance other large expenses and sometimes even unexpected costs that can arise.
Even if you have no plans to make a large purchase in the near future it’s still a great idea to make sure your credit is in check. There are so many little things that can impact your credit and often times you may be unaware Of these things impacting your credit score.
A high credit score of forts you a low interest-rate and a low payment where as a low credit score can mean the exact opposite and sometimes not even qualifying for that purchase you’re looking to make.
So with a choice of paying more or paying less, of course you want to pay less in to do that you want to make sure that you have the best credit score possible.
So take a look at Credit firm, which is a company that can help you review and improve your credit. It’s really great to have experts on your side and to take away the overwhelm and stress of trying to manage your credit on your own.


If you’re in a pickle and looking to make a few hundred dollars extra this month, look at online panels. I’ve done multiple panels, earning $100+ for each one. They are free to join and pay anywhere from $40 to $400+.
The most I’ve earned has been $400 on a single panel. It’s like taking a survey but you’ll be doing it interview-style, talking to the researcher on the phone, via email or online.


Did you know that you can save money on your online shopping? It’s like getting paid to shop. All you do is install the free cashback browser extension from Rakuten and you’ll get a popup when you land on a partner retail website. Click “Activate” to activate your cashback and after checkout, it will be applied to your Rakuten account. I earned around $28 very quickly after joining.
It’s not part-time income kind of money but it is extra money that you can get absolutely free, for doing what you’re doing anyway, online shopping.


Considering investing? Not sure where to start?
Acorns helps you invest your spare change on autopilot.  They round up your purchases and invest the difference for you. It’s fully automated investing, right at your fingertips. Take control, grow your money and more. This is one of my favorite investment companies.


Looking for an online bank? Today, there are so many available, it’s tough to pick one.
I joined Chime within the last 6 months and I absolutely love them!
They send me daily balance notifications, alert me when a charge is declined, they have savings accounts and much more. I love their overdraft protection feature and it’s easier than ever to transfer money to friends and family. Their apps is one of the most streamlined, easy-to-use online banking apps I’ve encountered.
I found them through a discussion in a Facebook group I was spying on. It was a business group and the discussion was about how the girls in the group used Chime for their business banking for their sole proprietorship and it’s helped them separate business and personal expenses.
It’s a great use for that and also perfect for your personal banking.

Jenn Leach, MBA

Jenn Leach is a Houston-based MBA with over a decade of experience in the banking industry. She writes at Millennial Nextdoor where she writes finance, money, business, and lifestyle content to help millennials create additional income streams online. Join her on Substack at

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