Final answer:
Juanita would suggest Bill to create a detailed budget table, cut down on non-essential expenses, and find more affordable services, thus saving money that can be redirected towards paying off debts.
Step-by-step explanation:
To help Bill improve his monthly budget and begin to pay off his debts, Juanita might suggest closely analyzing his monthly expenses and identifying areas where he can cut costs. By creating a comprehensive budget table, Juanita could help Bill to track his spending and recognize non-essential items that could be reduced or eliminated.
For example, if Bill currently spends money on high-cost cable TV and internet packages, he could consider downgrading to a more basic service, potentially saving a significant amount per month. If he eats out frequently, cooking at home more often can also lead to substantial savings. Smart budgeting could involve switching to a more affordable cell phone plan, sharing rides to reduce gasoline expenses, or finding ways to lower the car payment through refinancing.
Without knowing the specific figures of Bill's expenses, it's challenging to determine exactly how much he can save. However, by making small, strategic changes in various spending categories, it's realistic for Bill to save a considerable amount that can then be allocated towards debt repayment.