How do you go about PAYING your bills? If you are like most, you probably put off writing that check until the very last possible minute -- either because you misplaced the statement, are waiting to have enough money in the bank, or hate dealing with paperwork. How much money do you lose each month because of interest charges and LATE fees? How much stress do you experience worrying about your finances? Well, it's time to get on a regular SCHEDULE -- whether that means handling each bill as it comes in, sitting down with the checkbook on the 1st and 15th of every month, or handing the whole thing over to someone else.
Have a set spot where you keep bills to be paid -- keep bills separate from other "to-do's." Set aside a regular TIME -- weekly, every two weeks, whatever works -- for handling bills that have accumulated. Pay them and file them and be done with it!
Consider a bill-paying service through your bank or another financial institution. The bill will be sent directly to the bank, they will DRAFT the money from your account and send it to the creditor, and you will receive notice when the bill has been paid.
If you get hit with big utility bills -- gas in the winter and electric in the summer -- think about a BUDGETING plan. Your utility company will look at your last year's usage and average your bills out over 12 months -- you pay a set charge every month.
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