@DDWard1972 Yep, I was wondering what was going on. I just recently started playing the Sims 4 again and just installed this game fresh with no Mods/Custom Content.
Usually when you first make your home the bills are higher and unless you purchase more things for your home, the bills usually decrease after the first billing cycle. Mine kept going up on a normal lot (Not playing Eco Lot) Because my sim just started off in her career ( A rabbit hole career) she doesn't make that much, so I had to keep using the Katching cheat to help her keep her modest and simple home.