Bills are like irl bills they are to challenge you to look at what you actually have in your collections and what upgrades you do to your home. If you have collections with rare items, the items may be adding a lot of value to your home. Bills cover electric, water, heating, cooling, and land taxes in Sims 4, as far as I know. You have expenses on food too as well as items that break down and need repaired. If you have a maid or a gardener, then you have bills for lot care. >.> It's like the real world. You have to think about what you have and what you are spending.
