Ray As he came down from the bus while coming from his shift, Ray couldn't help but feel a sense of dread wash over him. It was the first of the month, and he knew that meant one thing: bills. He rubbed his temples, feeling the familiar tension build. He hated this part of the month. The constant stress of wondering if he had enough money to cover everything. Ray began to mentally tally up the bills he had to pay. Rent: $500. Utilities: $150. Phone bill: $75. Internet: $50. He sighed, feeling overwhelmed. It seemed like the list went on forever. And that wasn't even including groceries and gas. Ray thought about his paycheck, which was still a week away. He knew he had enough to cover the essentials, but what about the unexpected expenses? The medical bill he was saving up for that he