My main problem is it's difficult and time consuming to get back on top of things if you have a string of badly timed emergencies that leave you unable to pay f

My main problem is it's difficult and time consuming to get back on top of things if you have a string of badly timed emergencies that leave you unable to pay for awhile. That can leave you in a place where you have to let one bill slip to catch up on another, and then next month let the other bill slip to catch up on two others, and then the next month let something slip and...oh crap, another emergency, now you've slipped a little further down the hole!... and its just a vicious cycle. Even if you start making good money again it can take a long time to right that boat. And the whole time your credit score is swirling the drain, making it even more difficult to get the funds you need to balance everything or weather future emergencies, and you're too afraid to move, because you don't know how you'll pass the credit check, even though you haven't ever missed a rent payment (it's the highest priority bill). I really wish there was a little more flexibility in payments. Even just a "you can miss a payment if you double pay to catch up next month without us reporting it" would have helped quite a bit. I also think there needs to be a more universal, centralized place where you can set up online bill pay without it automatically paying (I tell it to pay a particular company a particular amount). I've been locked out of being able to pay my bill on their online sites and it's a nightmare calling or jumping through the hoops to get your account unlocked to be able to pay online again.