Another late fee? Ouch. Setting up automatic payments in your bank’s online bill pay system can help. But you still have to record the payment to avoid overdrafting your account, and it doesn’t work with bills that aren’t the same every month.
Here is a simple, effective system for keeping track of bills so they get paid on time:
1. Designate a spot on your desk (or wherever you do this sort of work) that you’re going to see every day. Tiered bins work great for this.
2. When your mail arrives, open the bills immediately and discard the envelopes and any “stuffers”.
3. For each bill, find the due date, fold it back up, and write the due date along the short edge.
4. Sort the bills by due date, creating a stack with the bills that need to be paid first on top. Put the stack in the designated spot with the due dates clearly visible.
5. Glance at the stack every day and see if anything needs to be paid.
You could write all the due dates in your calendar instead, or use “tickler files”. Or if your bills are due close to the same time, having a regular “bill pay” day might work. But I like this system for three reasons:
1. It’s easy and requires no extra work
2. The bills don’t get misplaced
3. Seeing the actual bill somehow makes it seem more imperative than a calendar notation. It’s right there. See it, grab it, pay it.
What will you do with all the money you save on late fees?
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