The key to paying your bills on time is to be organized. There are a variety of programs designed for helping people budget that are very helpful but also expensive. We feature information below that will help teach you how to keep your bills organized so that you can make sure you are making payments on time every month. Paying your bills on time will equate to good credit! Understanding your expenses will assist you in managing your debt and staying out of debt in the future!

Bill Organizing Tips  -- Also read about bill paying tips!
- Maintain a detailed list of all your expenses and bills on a legal-sized, column ledger. Make sure to include the following for each bill: Who the creditor is and what the bills is for (i.e. electric, phone, etc.), the typical monthly required obligation, due date, and anything else you deem important. The more detailed you make your list, the better.

- If you are living on a budget, determine how each of your paychecks are going to be used for paying bills. Make a detailed list of dates and amounts and what is being paid for.

- Maintain a list of all the 'current balanced owed' for all your debts.

- Don't forget to include those extra monthly expenses that are not really bills you receive in the mail, but are in essence bills that you have to pay, i.e. gasoline, groceries, etc..

- You should always include a little extra money for unexpected bills that may come up like car repairs and/or doctor visits. Learn more about paying medical bills.

- Every time a payment is remitted, write down to who, when and for how much.

- Every quarter, create a new ledger sheet. You will likely have new expenses to add and old ones to eliminate. Your list will become a sloppy mess if you do not start fresh every few months.

Maintaining an organized ledger as described above will not only help you know what bills you have to pay, but it will also help you grasp how much money you have for actually paying your bills and how much you are going to have left over after they are paid.

- Keep all of your bills in one spot, like a folder or draw. Doing so will reduce the chance of bills being misplaced.

- Make sure you go through your mail thoroughly and carefully everyday. You don't want to accidentally throw any bills out with your junk mail.

- Always open your bills the same day that they are received. This will give you time to contact any creditor and request an updated bill in the event that there is an error with your current bill. You want to take care of all erroneous bills right away. Also, it is possible that your bills will change without notice. If you are on a tight budget already, an increased bill can equate to stress on your budgeting plans. You will need to plan accordingly and re-tool your budget so that you can get all your bills paid timely. 

- The most important tip...NEVER let your bills control your life. Maintain your sense of reason with good bill organizing! We suggest that you read about how NOT to pay your bills as well.

Related Reading:  
10 Tips to Organize and Simplify Bill Paying
Remember the Milk - An awesome app for your cell phone that will help you organize your bills.
How to Negotiate Out of Debt
Paying Medical Bills




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