Electricity, telephone, heating, water, internet, TV, taxes, insurance, taxi … for the entrance, the kindergarten, the car …
Most people somehow manage to deal with the usual accounts we remember more easily because they come every month. But when we add the irregular ones that happen once in a certain period, or the differences because of seasonality, the problem becomes obvious.
Put your hand on your heart and say, do you manage to pay everything in time? Click To Tweet Have you ever experienced any of the following situations:
- Does the different amount of electricity or heating bills at the beginning of the heating season cause you real headaches?
- Any unforeseen expenditure so spoiling your monthly finances that eventually accruing unpaid bills for lack of funds?
- Stopping your phone, the Internet or even worse – because you missed the last possible date to pay in time?
If nothing of that in your life ever happened to you, you may be a financier, or at least you should think about such a career. While this is not a guarantee, keeping the pace of regular billing is more a matter of organization. Lack of funds can be adjusted using the same day cash.
Let’s put order in the bills
In the first place, you will have to draw up something like a schedule – monthly and annual. It sounds complicated, but it will actually take you only the first time. This is how:
- Tick the maturity date of each of your monthly bills. If you note everyone, the picture will become much clearer than if you just keep them in mind. This will make you aware of what is happening at any given time, not to be surprised when time is past. When you receive your monthly earnings, start paying your first billed accounts, and for the others, allocate the approximate amount until maturities occur. So you will not spend your money and you will not be left for those bills that come out after the middle of the month. Try to record everything.
- Review all regular payments – those that do not happen every month – and also mark them on the calendar. Every month, look at what awaits you in the next two or three so you can react in advance and set aside or raise the required amount.
- Do not let anything surprise you: Tick in your financial calendar the dates around which costs arise and may violate your monthly balance and billing. These may be birthdays and other holidays, the beginning of the school year, potential trips and excursions, anticipated events such as weddings or births in the family and family. Everything you remember. And also review them in advance so you do not hurry at the last minute.
- Once you have made the calendar with bills and expenses, try to unload your mind from constant thinking “what’s next”. Automate part or all of your bills so they can “pay by themselves” on the day of maturity or for cash on your bank account. Install an app that reminds you of what’s next. Also use online payment options, whether Internet banking or another financial platform