It’s Halloween; the season of ghosts, goblins, and things that go bump in the night. But there’s one kind of haunting that can linger long after the costumes are packed away and the candy is gone: unpaid bills.

When money is tight and stress is high, it can feel tempting to “ghost” the people you owe money to. Ignoring those envelopes, phone calls, or emails may seem easier than facing the fear head-on. But just like in a scary movie, the more you run, the scarier it gets.

The Truth about “Ghosting” Bills

Ghosting your bills doesn’t make them disappear. In fact, it can create even bigger monsters:

• Late fees and penalties that pile up like a growing pumpkin patch.

• Damage to your credit score, which can haunt your financial future.

• Disconnection of services, leaving you in the cold (literally) when winter comes.

• Increased stress — the scariest part of all — because ignoring problems doesn’t make them go away.

Shine a Flashlight on the Dark Corners

Here’s the good news: most companies, utilities, landlords, and even lenders want to work with you if you’re honest about your situation. They’d rather hear from you than never know what’s happening. Talking to them may feel scary, but it’s usually the fastest way to take the fear out of your finances.

• Call your utility company — ask about payment plans or hardship programs.

• Reach out to your landlord — many prefer partial payments over silence.

• Contact lenders directly — they may offer deferrals or lower-payment options.

How to Stop the Haunt Before it Starts

• Open the mail — don’t let those envelopes pile up like a haunted house of unopened doors.

• Make small payments — even partial payments show effort and keep communication open.

• Ask for help — call 211 to find support programs in the area, or reach out to our Financial Literacy Program at United Way Bruce Grey, it’s here to guide you through scary situations and help you face the monsters.

• Plan your budget — carving out a little room each time is like carving your pumpkin: a little effort now makes a big difference later.

Final word: Talk, Don’t Ghost

Don’t let your bills become the skeletons in your closet. Talking to the people you owe money to might feel frightening, but in reality, it’s the best way to bring the lights back on and chase away the shadows.

Remember: the scariest thing you can do with a bill is nothing at all.

Stay spooky, stay strong, and please remember, we’re here if you need guidance.