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How to Organize Bills

Establish this system to get all that paperwork in order and avoid expensive late fees resulting from mismanaged mail.


  • Step 1: Pick a spot Pick a place at home to put bills that need to be paid. When you retrieve the mail, sort through it and immediately put the bills in their designated spot.
  • TIP: A folder or bin will work the best.
  • Step 2: Decide when you will pay bills Decide how often you will pay the bills. Depending on when most of your bills are due, pay them biweekly or at the beginning or end of the month.
  • Step 3: List your monthly expenses Make a list of the bills that you pay every month. Include bills that are automatically deducted from your account.
  • TIP: Use spreadsheet software to add your bill totals every month. List the bills to be paid in the first column and identify the months along the top row.
  • Step 4: Separate the list Separate the list into groups of when they will be paid.
  • Step 5: Pay your bills Retrieve your list and paper bills to be paid from the bin when it is time to pay the bills.
  • Step 6: Write the amount Compare the bills from your bin with your list and write the amount you will pay on your list. Fill in payments that are automatically withdrawn and add any unexpected bills that have arrived.
  • Step 7: Repeat the system Repeat this system every time you pay your bills. You will be able to keep track of how much you spend and will not miss a payment if the bill gets lost in the mail because it will be recorded on your list.
  • FACT: The U. S. Postal service processes 405,000 pieces of mail every minute. Most of them are probably bills.

You Will Need

  • Designated location
  • List of monthly expenses
  • Folder or bin (optional)
  • Computer (optional)
  • Spreadsheet software (optional)

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