Monthly Bill Organizer

Having a good monthly bill organizer is a simple way to keep on top of your finances. The average American household receives over a dozen different bills a month, ranging from utilities such as gas and electric to gym membership and cell phone bill. Combine this with bank statements, junk mail and personal correspondence and you can see how it can quickly get out of hand, so having somewhere to put all of your bills each month is a great start to getting your finances organized.

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Using a Bill Organizer

Unlike many schemes that claim to help you gain control of your finances, learning how to use a monthly bill organizer effectively is very simple. In one part of the book, you store any bills that come that you have not paid along with your checkbook. When you pay them, you make a note in the organizer and move the bill to either another part of the book or into your home filing system.

You can also use a monthly bill organizer to look at all of your expenses, not just the ones you pay on a monthly basis. For example, you could use it to store all of your receipts each month. Not only will this create space in your pocketbook, but you will also be able to see exactly where your money is being spent each month. This gives you an accurate overview of your spending habits as well as allowing you to make changes to your budget.

Paper Versions

When you are looking to buy a monthly bill organizer, you have two main choices. You can buy or download a computer program that will help to sort it for you, or you can get a book that will help to keep all your records in one place. It is completely a matter of personal preference, but if you want a paper version, you should check out these companies first:

  • Imprints – These look very official and come with many different sections to help you balance your accounts, keep track of all of your bills and make notes on the kind of things on which you spend your money. It does not look particularly user friendly, but they are cheap and easy to use once you have practiced with them for a while.
  • Emerson’s – This monthly bill organizer is much more user friendly as it contains little cartoons about financial management and bill organizing. This is perfect if paying your bills and sorting your finances does not fill you with joy, as it will make you laugh a little while you are doing it.

Online Programs

If you’re more technically minded, or don’t like the idea of dozens of bits of paper swimming around your office space, you should look at using your computer to help you keep track of your bills. Microsoft Excel is great if you know how to program the correct financial formulas, but if you do not, plenty of pre-made programs are available for you:

  • Bill Organizer – The name says it all really. You can download the software for your PC or smart phone and it allows you to record all of your incoming bills in one place. It also has a unique feature for repeating bills that links to reminder system of your phone and sends you a message a day before the bill becomes due. This will help you reduce the number of missed payments and help you get into a routine each month of what bills need paying and when.
  • Ace Money Lite – This piece of software is used on your smart phone or PC. It is a little more complex than Bill Organizer, but it allows you to create different sections for different types of spending. You can then get the program to produce graphical data for you showing you visually how you spend your money as pie charts or percentages.

The best thing about both types of a monthly bill organizer is that they do not cost the earth. The paper versions come in at less than $20 and the computer versions are often free with premium upgrades. This means you can try out different systems to find the one that works best for you.

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