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22.03.2015

How to organize your bills and budget,change your cursor no download,getting debt free tips - PDF Review

Remember: if you run into trouble in your monthly budget, do not to hide from the situation. Over the past year, we’ve had a few requests for a peak into how we organize our finances. Even though Greg is essentially the one who makes sure the bills are paid on time, together, over the last five years of marriage, we’ve finally come up with a system that works for us.
Being the obsessive organizer that I am, I had to make sure there was a place for absolutely all essential types of financial information we could possibly need on a regular basis. This system works pretty well for us – it helps us stay organized and all the information we need is right at our fingertips. My husband thinks it’s way too much of a risk to keep our password info written down anywhere and I agree. Your finance binder is an effective way of summarizing a lot of important documents stashed in our filing cabinet, and a very organized way to keep track of bills. We actually still have seperate bank accounts at our house so our bills are split up between the two of us so we’re in charge of different things. But we are also in the process of eliminating all credit cards and going back to using debit.
I am going to the store today to buy my binder supplies and thought of a few other financial tabs that might be useful, that I know I will need: financial goals, household needs, and vacation info. LOVE this idea, currently a college student learning that I have to keep up with my expenses and it is not quit as easy as it seems.
I will be moving out on my own next year and I’m 23 now, This is perfect to keep track of all those stupid account numbers, passwords, receipts everything! I’ve been looking forward to giving this a thorough read since I discovered your site on Pinterest. This main purpose for our budget binder is to help us better manage our finances so to do that we created the following ‘tab names‘ and purposes for each section. INVESTMENTS – This is the perfect place to keep quarterly account statements and contribution slips.
PASSWORDS  & LOG IN’S – It can be easy to forget the log in credentials when paying bills online.
Our Budget Binder has become and invaluable resource when having our monthly financial meetings and I hope giving a peek inside gave you some ideas on how to organize and manage your finances. The last time that I was here, I was chatting all about the pertinent topic of scarves and how I creatively found a way to organize my scarf collection. But if you learn and practice how to organize monthly bills, you can save time, worry and even money.
Call or write your creditors if you would like to have specific due dates so you can better practice how to organize monthly bills.


When we first got married, I was the one who kept track of the bills and made sure everything was paid on time. We have a sit-down about once a month to go over the budget, set goals and make sure we’re on the right track dollars and cents wise.
We divided the binder into eight sections: bills, accounts, budget, register, receipts, donations, investments, and taxes. I’m so glad I stumbled upon your website and now follow you through instragram and your blog! The hubs and I share a google doc spreadsheet where we put in every last little purchase we make.
The page titles are Ostrich Sans, the categories are Champagne & Limousines and the spine label is Rockwell.
I think this system will help with our financial communication and presentation for family meetings.
The Download button you saw at the end of the post was actually part of an ad that is served by a third-party company, and it has nothing to do with the download mentioned in the post. I put this binder together a few months ago and it is unbelievable how much it has helped my husband and I get on the same page with our finances.
I’ve been using it for three months now and it has really helped my fiancee and I catch where our money is going and what categories we can cut to keep from starting out like most American young adults. I can remember clearly our decision to become a one income family and all the effort that went into making it a reality. One of the first things I had to do as a stay at home wife was learn how to budget one income. I used the sheets found on page 36 of America’s Cheapest Family Gets You Right on the Money: Your Guide to Living Better, Spending Less, and Cashing in on Your Dreams. This is where we keep track of passwords for those times when we want to pay our bills online with a specific site versus online bill pay.
When you pay bills late, you may suffer numerous financial consequences, like late fees and a hit to your credit score. This should be one of your biggest priorities among personal record-keeping requirements.  For example, if you spend $43 on your cable bill, immediately make a note of this in a notebook, spreadsheet or with a free online budget planner. Rather than fumbling for an old bill or having them look it up with our social security numbers, it’s all right here in this section. At the end of every month or so, I go through the receipts and get rid of the ones we don’t need to hang onto anymore.
Your post makes me actually want to get better organized with our finances too – haha. We can access them anywhere by logging on to the web via our phones and we never have to worry about a notebook getting in to the wrong hands.


I think it’s worth every cent because I was getting frustrated looking around the house for everything to pay a bill or two. I am reading Smart Women Finish Rich by David Bach about how to have an active role in our finances even though I’m not as numbers strong or confident as my husband.
Each update will bring you news to encourage inspire and ignite your passion for Biblical living. You may also start to notice places where you can trim the fat and increase your bottom line. For example, you could change your credit card due date from the 22nd to the 1st in many cases if this works better for you.
Also, do not write checks for bills unless you are certain funds will be available in time.
We keep track of our budget and account register in a fantastic computer program called You Need a Budget (YNAB).
As for bills, I have 90% of them get paid automatically online so I don’t have to think about initiating it every month. I really appreciate the idea of having the account numbers handing for the cable bill or electricity. Be creative; use lots of colorful pens if this is what it takes for you to execute this method of organizing monthly bills. Writing bad checks can lead to possible criminal charges (which could include a jail sentence) and could also make it much more difficult for you to open a bank account in the future. So, to prevent my brain from overheating too much, Greg took over the actual bill paying and the proverbial heavens have been rejoicing ever since. We also keep a few stamped envelopes for the few bills we still have to send through the mail.
Doing this cuts down on the total interest we end up paying in the long run and essentially pays our mortgage off faster.
I do have one of my own, however it has been quite neglected and has become a place to keep pay stubs.
However, I think with your great ideas and concepts it might help me finish before the day is over with. The point here is to never miss a bill again, thereby saving you money in fees and keeping up your credit score.
The thing we love the most is the mobile app that allow us to check our budget on the go and enter purchases right when we make them so the budget (which syncs across all devices) is always up to date.



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