If I asked you to deduct your monthly expenses from your monthly income, I have a feeling you'd look pretty good on paper. The mystery for many people is why they can’t get through a month without using a credit card to cover unexpected expenses, such as a prescription for a sick child, a quarterly insurance premium, or a wedding shower gift.
Your predictable, fixed monthly bills are not the problem. Somehow, the rent and utilities get paid, and the family gets fed. The problem is the accumulation of non-monthly expenses. Some are easily predictable; others are not.
