Photo Pay
Open your bills immediately if you get hard copies of your bills in the mail, open immediately when you fall behind on bills, it can be tempting not to open Resist the urge There's nothing to keeping you earn 1 black.
Even people who have paperless billing implemented remettrons opening bills For many people, it may be easier to postpone looking at their bills if they can not see them hanging around the house If this sounds like you, go to paperless billing billing classic.
Put your bills in one place This may seem obvious, but that doesn t mean that everyone does even people who know they need to make this donation does sometimes make a commitment to keep all your bills in one place, to so you go straight there from the mailbox Try a home office, the refrigerator door or a coffee table make sure it's a place where you see them often enough that you do not forget 2 .
Pay your bills as you go The best way to keep track of the bills is to pay upon arrival This way, you do not have to worry about paying bills late, and you never have to worry about overspending not the essential money you can t afford to spend already spent where it is most needed 3.
Divide your bills into two categories Even if you pay each bill as it comes, occasionally there will be a bill you can afford to pay immediately When this happens, the bill by one of two categories invoices that are due in early, and invoices that are due mid-month pay bills that are due at the beginning of all, and pay bills in mid-April 2. 5
Negotiate more practical deadlines Your goal is to have approximately the same amount in early and mid-month Almost all companies negotiate a more convenient due date if you so ask if a segment of your bills is much larger than the other, call customer service for the respective companies and ask them to change your billing date 6.
Mark your calendar for the technologically opposite mark two dates on your bill bills each payment date payment schedule should come a little before the bills are actually due, for example, on the 1st and 15th of each month , set aside an hour to both the review and pay bills Make this appointment with yourself.
Discover reminder or site applications If you find yourself needing a more visible reminder that schedule, try an application of paying bills or website Some common features include automatically connect to debit and credit cards, reminders when a bill is about to be late, and alerts when your bank account is low There are many great applications and sites out there, but check invoices, bills PRISM mint and money, and money for Evolve start 7. 8
Sign up for online bill pay to pay the bill online automatically draft your bill payments from your checking account You won not have to worry about keeping your bills organized or remember to write a check and send you can set up a bill payment online by one of the secondary sites or applications available online, or you can set it up automatically with the companies that you invoice.
The second part of the three budgets to pay your bills Edit.
Create a separate account for bills and discretionary funds This is one of the easiest ways to make a budget that you stick to just calculate how much you pay each month for your regular bills Divide that amount by the number of times you get paid each month to determine how much you need to deposit money to pay bills from each paycheck after each pay period, make sure to make deposits in the appropriate accounts 9.
Budget bills you do not pay regularly such items as vehicle registration, tax and insurance payments are often charged once or twice a year, instead of being charged a monthly budget for these write too simply on the total of your non-regular bills and divide that number by 12 to determine how much to set aside each month 10.
While you will not be tempted to skimp on the irregular expenditure, it is better to put that money in the same account you use for your regular bills this way, the money is there when you need it.
Budget items you can not buy monthly, such as clothing, so you always have some money hidden when you need new members 11.
Keep an emergency savings account account Disaster This is very important, and most financial experts strongly recommend to build emergency savings equal to three to six months' net salary Once you are caught on invoices, this should be your first target savings the amount you have to depend on your needs, for example, if your car insurance policy has a deductible of 1000, then always keep at least 1,000 in your emergency account if you have a car accident 12.
Three of the third party to pay your bills when you are short of money Edit.
Start by paying your bills more important it seems easier said than done, but the way to start is by separating your bills into three categories, secured debts necessities, and 13 unsecured debts.
Necessities are the types of bills you have to pay to survive something like mortgage or rent, your utility bills, your grocery bills and all bills that allow you to work, such as childcare payments or car.
A secured debt is a debt that is secured by some type of warranty This means that if the debt is not paid, the creditor may repossess all you have as collateral without you attempt to bring This includes mortgage payments and cars that are also essential, as well as child support using your salary as collateral taxes and have paid back after your needs, pay the 14.
Finally, pay your unsecured debts to a creditor to seize your property to satisfy unsecured debt, they must first take you to court, as it takes time for a court case to come to the bar, even if you get behind on these debts, you will have more time to do things with your creditors that you do with debts and secured needs.
Try to pay bills, irregular for several months if you can pay t at once, you may be able to negotiate with your creditor to space your payments anyway, it is better to pay what you can rather than nothing .
Cut nonessential course, this is the last thing you want to do, but if you come short every month, you may need to make cuts in recurrent expenditure You may have to cut your cable or flip smartphone get -telephone instead or liquidate its assets until you get back on your feet 15.
Talk to your creditors start many lenders or utilities, for example, work with you to negotiate lower payments of bills if you're in a bind.
Find ways to reduce your rate For example, you can opt for a higher deductible on your car insurance and shop around for cheaper insurance that fits your budget.
Get financial advice contact a nonprofit credit counselor or financial planning organization Counselors can help you establish a budget and can negotiate with creditors on your behalf The Department of Justice maintains a list of counseling agencies approved credit here, but others are available There is a good amount of charlatans peddling credit counseling advice, so be careful when choosing a Make sure they are non-profit, you ask the qualifications of advisers, fees, contract terms, and how advisers are paid 16.
How to pay your bills (with photos), invoices, bills, same place.