When you start to get some difficulties in paying your bills and monthly expenses, then this is the right time for you to evaluate your finance.  You should try to see you budget and make some evaluation. Sometimes we put too much budget for having fun or for shopping.  Try to reduce the useless expenses and you could use the money for the other need.  I know that this easy to say but is not easy to do but you have to try it.  Perhaps you can use the money …