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Credit Card eZine - News and Articles about Credit Cards

Credit Card eZine - News and Articles about Credit Cards

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Here’s The Best Way To Manage All Your Household Bills

[September 24th, 2016]

If you struggle to keep up with bill payments each month, you might wish there were a way you could magically have all your bills paid on time, without even thinking about it. Guess what? There actually is.

Setting up automatic payments is the easiest way to make sure your bills all get paid on time each month, and it’s pretty easy to do. But there’s a little more to it than just setting up those payments. Here are the things you should do if you’d like to never worry about getting a late fee or service interruption notice again, because of a late payment.

Look at the due dates for all your bills. First, you’ll need to make a list of all the bills that are due each month. This may include utilities, Wi-Fi, cable television, rent, credit card bills, and subscriptions to services like streaming video or on-demand. Make a list of when things are due, and then see if you can make things due at times that are most convenient for you. Many companies will shift your payment due date if you call and ask. As much as possible, make things due around the same time of month, or at times that line up with when you get paid.

Sign up for paperless statements. It’s nice not to have your mailbox filling up with bills, especially if you’re not actually mailing in paper checks each month. While you’re streamlining your payment process, see if you can eliminate all that extra paper that most likely goes straight into the recycling bin anyway.

Set up automatic payments. Now is the time for that last essential step ¬– actually signing up for the payments. Go online to access your accounts, or call your service providers if you don’t have online account access. Be prepared to provide your financial institution’s routing number and your account number, and to say whether you’d like to pay the minimum amount due each month, or the full balance. If you’re paying off credit card debt, remember that you can choose to make extra payments each month as you’re able, but that if you set it up to pay at least the minimum due, you’ll never have to worry about having a late credit card payment.

Once you’ve done all these things, you’ll be able to rest easy, knowing your bills will be paid on time each month. Just remember to have enough funds in your account to cover the automatic withdrawals.

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