Many Massachusetts folks continue to struggle as paying for everyday necessities and paying bills on time has been a burden over the past few years. As a matter of fact, the National Consumer Law Center revealed that 822,000 Massachusetts were at least 30 days behind on their gas and electric bills last spring. Whether it's Boston, Springfield, or the Berkshires as winter draws near and the cold weather creeps in, paying for heat is one of the main struggles for many in the Bay State, particularly low-income residents.