Do you have trouble remembering to pay your bills on time? It may be that you have the money, but you just don’t have a system set up to handle the bills. It could be that you are struggling to make ends meet, and the late fees are really beginning to hurt you. Here are five simple suggestions that can help you to meet your monthly obligations.
1) Set up a system of where you place your bills each month. Then schedule a time each week or each month where you sit down and pay the bills. If this hasn’t been working for you, pay and mail the bills the day that you receive them.
2) You can set up to have most of your bills automatically deducted from your checking account. If you are worried about having the money available on the due date, then you can have them paid from a credit card, which you pay off automatically each month. This will limit the number of bills that you write.
3) Take advantage of the online bill pay that is offered through your bank. You can have the bills automatically drafted, or you can sit down and pay the bills once a month. You do not need to worry about stamps or putting the bills in the mail. You just click the button and you are done.
4) If you hate paying the bills, and you keep putting it off because it depresses you, reward yourself when you are done. You can go out for a dessert or get a pedicure. If you have the extra motivation, it may make all the difference. (You can easily pay for these luxuries out of the late fee expenses that you could save.)
5) If none of these suggestions will work for you, then you may consider having your spouse pay the bills. He may be more detail oriented and do a better job getting the bills paid on time. If your spouse has the same difficulties you may need to sit down together and pay the bills once a week.
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