Debt harassment doesn’t frighten me.  It doesn’t even bother me.  If I owe a debt for too long, I fully expect someone to come along and try to get me to pay it as soon as I possibly can.  I’m more worried about making enough money just to get by every month.  Right now, my rent is a little bit more than I can reasonably handle, though it wasn’t when I signed my lease.  But I pay it every month on time.  They say that you should be making 3 times a month what your rent would be because that way landlords know for certain that you can pay their rent no matter what.  However, that doesn’t take into account the fact that you might change jobs or get a demotion or raise during that lease.  My rent is just under half of what I make monthly.  Obviously, that’s my most important bill since if I didn’t pay it I’d be out on the street.  It’s all the other bills that I worry about.  I make them all because I have to and I do have some money saved up in case of an emergency or if I just need it for some reason or other, but I need to start making more.