How to make property tax and utility bill payments more affordable

Q: My spouse and I could be described as late bloomers. We prioritized completing our education before tackling major life changes, so over the past two years, we’ve gotten married, purchased our first home, and are expecting our son in a month. While delaying these steps allowed us to establish our careers more quickly, we’re now realizing we’ve taken on a lot. Earlier this year, we were caught off guard by a new utility bill for our townhouse, which fortunately isn’t du