You have to work for almost 10 months before you earn enough money to pay the bills on average.
That's according to new figures from GoCompare.com that analysed official household spending and disposable income data and worked out that is wasn't until October 26 that earnings outweighed the annual costs of things like rent, groceries, utilities, mobile and landline phones, broadband, insurance premiums and everyday travel costs.
But that doesn't mean you have to be average.
We all face bills that we have little control over, like council tax, water rates, income tax, fuel for our cars or tickets for our day-to-day commute, but there are many that we can, and should, tackle ourselves," said Georgie Frost, head of consumer affairs at GoCompare.
"Insurance policies, energy tariffs, mortgages, our weekly grocery shop, broadband packages, debt repayments some of these are quick and easy to save money on, others take a bit more time, but its well worth your while to see if you can trim these back who wants to spend more on these things than is necessary, after all?"
You can potentially save hundreds of pounds a month by moving from the average deal to the best value one.
And it's more than just saving money on your energy bill. You can compare food prices to see if you could save money on the same things with a different supermarket here; learn how to save money on petrol or save money on train tickets here;
Car insurance can be brought down with these three tips, and home insurance, travel insurance and more can all be compared online to see if you can save without losing any cover.
The same goes for your broadband, TV and mobile phone deals as soon as you're out of contract, move to a cheaper one. Or you could save even more money by combining them together.
If you are in contract when you check, make a note in the diary when it ends now. There's no sense paying more than you need to for even a day longer than you must.
Even switching a couple of these could leave you hundreds of pounds better off.
If the average household reduced their bills by 25 a week they could bring their Bill-Free Day forward by more than a fortnight. That would be an extra two weeks of fun money next year, rather than bill money, Frost said.
You can can work out your personal Bill-Free Day day here.
The calculator also shows you how far you can bring it forward by switching to the cheapest deals.