(ThyBlackMan.com) Are you overwhelmed by the number of invoices that come in each month? Do you regularly pay them after their due date? Paying your bills on time can be quite a challenge. Sometimes all you need is a way to organize it all. Here are a few tips to help you get on the right track.
Make a List
List your monthly bills to track what comes in and when. You can also add the date it is due. If one is late coming in, check with the company if it got lost in the mail. With this list, you take control over your bills, not the other way around.
Use Your Calendar
Grab your calendar and write when your paychecks come in during the month. Then write all the bills on their due date. It will help you to visualize which paycheck you will use to pay which bill.
Pay Bills on Payday
Get into the habit of paying your bills on payday. If some payments are to be taken automatically from your bank account between now and your next paycheck, subtract these amounts from what is left in your account. The remainder is your spending money until your next paycheck.
Unexpected Bills
If any unexpected bills should arise, a quick online loan could help, especially if you don’t have an emergency fund. Lenders such as 24Cash have fast online applications, giving you the money you need within 24 hours. Paying back such a loan can easily fit into your budget.
Schedule Reminders
Schedule payment reminders on your cell phone. It gives you an extra measure of protection if you are still prone to forget your due bills.
Pay Online
Paying bills online is fast and easy. There are no mail delays, so you are sure that your payments are on time. Take advantage of today’s technology. On payday, you usually check online to make sure that your paycheck was deposited correctly. Take a few extra minutes to pay your bills at the same time. You can then forget about them until your next paycheck.
File your Bills
Keep all unpaid invoices together in one location, preferably close to where you pay them. Organize the bills by their due date. Maintain a record of all payments either electronically or by merely writing it on the printed copy. Once paid, file it away or shred it. You might want to keep your invoices a few months before destroying them. They could come in handy to compare prices and products if you get a price increase on one of your services.
Making payments on time is a matter of organization. If you keep these few simple tips in mind, past-due bills will be a thing of the past.
Staff Writer; Craig James