First of all, you are not alone. With $13 Trillion out there of debt, many Americans are stressed out about bills. The challenge for each of us is to take charge of the situation and come up with a solid plan of action.
The good news is that although you are struggling to save, you are debt free, which puts you ahead of most Americans.
A primary goal should be to work out a budget. Start out with the Personal Finance and a Budget Guide. You will find some excellent budgeting tools and also tips on how to manage your money and how to get out of the cycle of debt and into a virtuous cycle of wealth.
If you need debt help, please contact a counselor (we have several online at: Debt Help) or you can seek a local adviser.
Also, if you need help with bill payment services, you can look to pay bills online or set aside one afternoon each week to pay bills and balance your accounts.
Lastly, try to make a game out of your personal finances. Set short, medium, and long-term goals... and reward yourself for achieving each milestone with simple things like a dinner with a friend, a movie, or just ice-cream. By setting achievable goals, working toward them, and hitting your goals -- you will start to take pride in your finances and leave the bill depression in your past!
I hope this information helps you Find. Learn. Save.