How are some people organized with money and others just cannot keep current on their bills?

A spending plan seems to be a good guide to organization.

Before the month begin, I know exactly what I am spending before my paycheck arrives.

It usually looks like this:

Mortgage

Food

Gasoline for the car

Car insurance

Cell phone

those above are my main expenses, expenses that I must pay to operate.

Then are the various bills (no fixed amount, varies month to month)

utilities

Internet

entertainment

Pay your living expenses first! If you have trouble with organization, put it on automatic payments. Or either have your bank automatically deduct it out of your account and put it in a separate account for bills.

Having a good spending plan makes you discipline with your money. You are an adult, not a child; you cannot play and have fun all the time.