Perhaps you are fortunate enough to be able to pay your bills on time and so have excellent credit. When you need a new car, no problems. You are automatically approved for a loan. You decide to buy a condo and the lender smiles as they hand you papers to sign.
Maybe you’re struggling to pay the rent and put food on the table. You pay off the gas company so you have heat and light but postpone payment to the credit card company. You know this puts you in risk of losing the card, but you have no choice.
Your task is to write a story in which paying the bills plays an important role. You can tell the story of an individual who has no financial worries until something happens that puts him at risk. Or you can share the concerns of someone who is just getting by.
The important point is to ensure that your readers feel the joy or the pain, that they walk in the shoes of your protagonist. Dialogue would be important as well as narrative descriptions. Seek a balance between the two.
Have fun with this one.