Looking at your due dates on your bill list that you have created from Step #1, decide what bills must be paid using the first paycheck, and what bills need to be paid using the second paycheck. Paying Your Bills According To Your Paychecks: If you choose to pay your bills on this schedule, I want you to organize your bills to match your paychecks. So I will explain both – paying your bills according to your paychecks and paying them once a month. Not everyone is me, and I totally understand this. You can see my post on why I choose to be a paycheck-to-paycheck budgeter here: Why I Budget Paycheck-to-Paycheck. Make sure you add them to your list as well! DECIDE ON A PAY SCHEDULEĪs I have I have mentioned before in an earlier post I am a huge fan of paying your bills based on your paycheck. Don't worry we will not forget to include these. I do realize, that some bills such as car insurance, and property taxes are due either annually or semi-annually. The purpose of this step is to find out exactly what bills you have. If there is no due date, you can leave it blank. On this detailed list, I would also like you to write the amount due for every bill.
Write down every bill that you must pay on a monthly basis, and put them in order of due date. If you have never organized your bills, this step takes a little investigation. This is the step that requires the most work. Read: 3 Ways to Prepare Your Finances for the New Year.Let's stop this from happening right now! Below, I am going to give you a step-by-step guide on organizing your bills. You might remember to pay some bills on time, but there is always a chance for one to slip through the cracks. Your financial world, including your bills, are no exception. For me, juggling a full-time job, my blog business, my son, my husband, yard work and everything in between, I will quickly forget about something important if there is not a system in place for me to remember it. When you are a busy full-time working mom, bill organization is key to having a more peaceful life. In my experience, late fees are generated due to forgotten payments, and not because of negative income. Paying your bills on time is the single most important factor when determining your FICO credit score, so I am here to help you set up a one-time solution to tackle those bill due dates. Are you having a hard time getting a handle on your bills? You are not alone.
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