It will be helpful to arrange your bills by how important or crucial they are, according to financial expert Lauren Greutman. Certain bills are non-negotiable, such as all your basic necessities, including utilities, rent or mortgage, healthcare, food and gas. Then there are expenses that fall into the “wants versus needs” category — maybe a weekly coffee purchased at a café, movie nights out or vacation funds. If you make sure you can always pay for your necessities, you won’t find yourself in dire straits. “Wants” can always wait for a more fluid time.