Organize Your Bill Paying To Avoid Stress And Worry

Organize your Bill Paying to Avoid Stress and Worry

Bills can create headaches and cause stress for all of us. They all seem to come due at the same time, and there never seems to be enough money to make ends meet. Factor in the time involves writing checks, addressing envelopes and hunting down postage stamps, and it's a chore many of us would gladly relinquish. But with some simple planning and organization it's a task that can become easier and less stressful.

The first step is to establish a central location in your home. Make sure all the tools you need are in the same location: an inbox or folder to store incoming bills, pens, postage stamps, envelopes, your checkbook, a calculator and your computer if you use financial software or online banking services. Then when the time comes to sit down and pay the bills, you're not left hunting and searching for that lost light bill.

Develop a list of your bills that includes the type, the average amount, how you're billed (online, through the mail, or by automatic deduction from your bank account) and the due date. If your utility bill tends to stay the same from month to month, notate that on your list so you can easily determine how much to budget. File this list with your other tools.

During this process you might have discovered that your due dates are scattered all over the calendar, which can make paying bills in a timely fashion difficult at best. Contact the companies and see if they'd be willing to change your due date to more closely adhere to your payment schedule and to more closely coincide with the due dates of other bills.

Online bill paying is a great way to not only save money on postage. If you choose to be billed electronically, it can reduce the amount of mail you receive and have to file. Since most payments post to your account quicker than a bill paid traditionally, it also allow you to correct a bill paying mistake quicker and avoid problems as a result. Most banks offer online bill paying services, and many companies have bill paying options online.

It's probably a good idea to consider paying bills twice a month, or each time you receive your paycheck. Scheduling bill paying as a regular task will make it easier to deal with and will decrease the chances of missed or late bills.

BONUS : Organize your Move and Reduce your Stress
Moving can be a very stressful and nerve-wracking experience. But with some careful planning and by thinking ahead a little, you can make the process go a bit smoother.
Create a simple record keeping system. Whether it's computer-generated or hand written, be very specific when recording things on this list.
You'll probably need many more boxes thank you think, and having enough boxes will make your life easier. If you go through a moving company, keep in mind that any boxes you purchase but don't use can be returned for a credit or refund. Have at least ten boxes set aside to use for last minute items on moving day, such as bedding, clothing, and cleaning supplies. You'll need strong plastic packing tape to close up the boxes securely. Use unprinted newsprint or packing paper or bubble wrap to wrap and cushion household good. Again, you'll need lots more supplies than you think, so get extra. Moving companies will be happy to deliver boxes ahead of your moving day.
Designate a color for each room in the new home, such as yellow for kitchen, orange for dining room and so forth. Apply colored stickers on the box near the box number. In your new home, place a matching sticker on the door to each room. This is a simple way for the movers to know where to put everything when they arrive.
Insist on keeping things together when you or the movers are packing boxes. Keep bookends with books, light bulbs with lamps, and extension cords with appliances. Small, loose parts can be attached to the item they belong to with tape or placed in small envelopes -- to keep picture hooks with pictures, shelf brackets with a bookcase, a special wrench and bolts with the wall unit.
Anything you can pack ahead will save you time on moving day. If it's summer, get your winter clothes out of the way. If you must clean your old place after moving out, put together a kit of basic cleaning supplies and rags. Moving companies will not move cleaning chemicals, so plan to transport those with you in your vehicle or give them to a neighbor or friend.