Any information shared on Military Money Might is provided for informational and entertainment purposes only and does not constitute specific financial advice. But, a lot of us don’t pay them on the due date thanks, not to lack of funds, but because of laziness and an unorganized life.
It is even better if you can automate all your bills so they are electronically paid directly from your bank account. If you have fallen behind on payments or feel overwhelmed when it comes to your finances, take some time to regroup. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances.
Unfortunately, disorganization is no excuse when late payments are added to your credit report or you are assessed fees and penalties for not paying your bills on time. Dave Ramsey says that every single dollar you make sure have an earmark or a duty description before it even reaches your bank account.
My mother used to collect the bills in a large ledger book, and she would sit down once a month and write checks out to all of the companies who sent bills.
When you receive a bill, whether it is by electronic means or through the postal service, make sure that you pay it immediately. You should discuss your specific requirements and situation with a qualified financial adviser. But, you can set up a system so you are well-organized that can make your payments for you so both you and your creditors win. You should have a written budget every month, and you should review it at the end of the month to see if you need ot make changes for the next month.
But, after more and more late fees from all the credit cards I used to have as a college student, I got fed up and started using my bank’s free online bill paying service. There is no excuse to being unorganized in your finances when you have so much riding on your success. To reduce paper, you can also scan hard copies of bills and put them into a file on your computer.
Make sure that the money you have on hand can cover all your expenses on paper before you start spending money on carefree activities.
It will keep you paying your bills on time and will save you from dings on your credit report and a late fees. That way, you will have a better idea how you are spending your money and where it is going throughout the month.

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