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It can be tough to decide which bills and monthly expenses to pay first, especially if you're on a tight budget. Although it's important to try to make all of your monthly payments, it may not always be possible.

If you're struggling to decide which bills to pay first, these tips can help you make a wise choice.

Make a List of Your Expenses

Start by making a list of all the bills you pay each month and the amount you owe. Don't worry about listing these in any particular order, the point is to calculate the total cost.

Typical monthly expenses on this list should include the following:

Identify Your "Must Pay" Expenses

You probably havebills for some (or all) of the things on your monthly expense list, but you may not have enough money to payall of them. This is where prioritizing, or deciding what to pay first, comes in.

Paying for shelter should always be the first priority, so you continue to have a roof over your head. Ifyou pay for utilities, like heating and water, you may have a month or more to make your payment before having your service disconnected.

Your food budget is a great example of an expense that is both a priority and something that you can adjust if you have more pressing bills to pay. There are probably items on your grocery list that can beremovedto save money for other bills that month.

Go through each expense on your list and make a note of any you can delay payment on or change for a brief period. The expenses left are your "must pay" expenses for the month.

Pay Your Debts

Once you know your "must pay" monthly expenses, focus on paying any bills that could impact your credit, including debt from credit cards and loans. A record of late or missed payments could stop you from borrowing money or getting a place to live in the future, so it's a good idea to look at your credit report on a quarterly basis to get a full picture of all the money you've borrowed from lenders. Luckily, there are a number of websites that let you access your credit report for free.

Remember that some debts, like mortgages and car payments, are secured loans and are tied to your house or car. If you miss payments, your lender may eventually be forced to repossess these items. If you find that you don't have enough money left to make these payments after paying for your monthly expenses, contact your lender as soon as possible to negotiate a more affordable repayment plan.

Prioritizing bills and expenses in order of importance lets you meet basic needs, protect your credit, and lower your financial stress. This, in turn, allows you to focus on finding ways to cut costs or increase your income so you can pay all of your bills each month and even start saving for the future.

But as Oosterwalnotes in the “Lean Machine” [1], they don’t really work. The cause of this problem is the failure to recognize some critical errors with the basic assumption that phase gates reveal real progress and thereby mitigate risk. For example:

The net effect of all the above is that phase-gate milestones have not always helped mitigate risks; instead, a point solution is picked far too early in the cone of uncertainty. Problems followinevitably, as Figure 1 illustrates.

With this backdrop, it becomes clear that a different approach is needed, as is described below.

SAFe provides a number of means toaddress the problems. In particular, Principle #4 – Build incrementally with fast, integrated learning cycles , especially when used in conjunction with set-based design ,provides elements of the solution.

With this approach, the system is built in increments, each of which is an integration and knowledge point that demonstrates evidence ofthe viability of the current in-process solution. Further, this is done routinely, on the PI cadence , which provides the discipline needed to ensure periodic availability and evaluation, as well as predetermined time boundaries that can be used to collapse the field of less desirable options. Each PI creates an objective measure of progress, as Figure 2 illustrates.

This is true for both the Program and Large Solution levels, where solution/system integration and validation happen. Of course, what is actually measured at these critical integration points is subject to the nature and type of the system being built. But the system can be measured, assessed, and evaluated frequently by the relevant stakeholders throughout development. Most important, changes can be made while there is still time to make them, as Figure 3 illustrates.

This provides the financial, technical, and fitness-for-purpose governance needed to ensure that the continuing investment will produce a commensurate return.

In SAFe, these are the most critical learning milestones that control solution development—so critical that they are simply assumed as credible and objective milestones. In other words, every PI is a learning milestone of a sort.But there are other milestones as well, as described in the sections that follow.

In addition to the PI, otherlearning milestones can be used to support the central goal of building a solution that satisfies Customer needs and generates value to the business. It is critical that the value proposition behind a new solution, or a large initiative, is treated as a hypothesis that requires conceptualization and validation against actual market conditions. Translating a hypothesis into business demand is the science and art of Lean-Agile product management. It involves a great deal of intermediate organizational learning. Learning milestonescan help. For example:

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