Let’s talk about the place in our homes that most of us dread organizing the most…..
yet is the most important. The Home Office or area where you pay bills, open mail, etc.
Changing your attitude about money can change your life.
Being financially disorganized can cost you late charges, a poor credit score, and increasing debt!
1. First, put a system in place whether it’s a file cabinet, file tote, fireproof safe, or any combination. Secondly, have a place to store papers or bills that need your attention. Bills/papers should only be in one of two places, your “inbox” or filed away. If it does not belong in either place, it doesn’t belong!
2. Create a budget! Make it up on your own, find it online, use Microsoft Excel spreadsheet templates, or another computer program to keep track of income and expenses. You can see where all your money is going and make sure you pay your bills on time.
3. Decide how you will pay your bills, by check, over the phone, online, or through your bank’s bill pay system.
4. Schedule times each month to pay the bills.
5. Commit to the plan.
6. Ask for help if you need it, visit your local bank, a free resource!