It's bad to pay bills late.
Anna is having technical problems with her old computer and has some major bills which are due.
Anna wants to buy a new computer.
Anna pays all her bills first then charges the new computer to one of her credit cards.
Anna decides to avoid making a payment on her phone bill to buy the computer.
Anna is up to date on her bills and enjoys her new computer.
Anna's phone service gets cut off, and she is charged a late fee on top of that.