Two years ago we moved. A new house and a new baby meant I was going to be even more forgetful about paying the bills on time. We came from a condo where our only bills were the mortgage, association fee and internet. As new homeowners I had to wrap my head around paying for electricity, water, gas, garbage, etc. Needless to say it was overwhelming. I knew I had to setup a system or we would be up to our necks in late fees! The first thing I did was to setup automatic payments on all the ones I could. But I also wanted to know how much we were spending monthly on everything so we could budget and cut back if needed. This is where the binder comes in:
Each type of bill has a page to track the amount, date due and if it has been paid. This lets me see at a glance the trends in our habits (leaving lights on or too long showers etc.). And I hate to admit it but sometimes I sound like my mom… “turn the lights off when you leave the room!” or “Are you trying to cool the whole house with the fridge?” If she knew I said those things she would be proud that it stuck, hehe.
Instead of filing the paper bills in a folder, behind each bills page I put a letter sized envelope with the top cut so I can slip in the bills.
The inside cover of the binder has a pocket which I put in a letter opener, our checkbook and stamps for easy access.
So, I know it’s already April but it’s never to late to start getting organized. There are two PDF’s one for specific bills and one generic for other types of bills.
The PDF includes: