It is often said that death and taxes are the only two things that are certain in this world.
But for many of us, having to pay your bills each month might be a close third.
Whether you have them automatically withdrawn from your bank account or you still sit down, write out checks and mail them, paying your bills keeps a roof over your head, lights on in your house and food on the table.
For many Americans, the monthly bill-paying ritual prompts the question: Where did all my money go? Or even worse: Finding out you don't have enough money to pay for everything.
A recent survey found that 78 percent of full-time workers say they live paycheck-to-paycheck.
So what can you do to make sure you have enough money each month to not only pay your bills but also be able to save for your future and achieve your financial goals? Start by creating a budget.