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: