I use online banking to make sure all of my bills are paid on time. To avoid missed or late payments, I set up a monthly payment for each one that will cover at least the minimum amount. Once or twice a month, I review and adjust the payments as needed to match the actual amount due for each bill. However, if something happens that forces me to forget to adjust the payment, the standard amount will be sent on time, thus keeping me from being charged a late fee.
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I get paid once a month, so I pay all bills at that time. I was able to pay off my vehicle early as well. Each month, I have "my car payment" automatically sent to a money market account. I had it set up as automatic payment when I owed the money which allows me to save it without seeing it.
When you get paid, subtract all the bills you have to pay first and you can see exactly how much is left for food, gas, and extras. Make the payments and mail them so you know it is done for the month. No late fees, none forgotten and no short bank account with bills to pay.
I've listed out all of my bills starting with the least amount I owe, to the most. Each month, I usually try to double my minimum payments (when possible) & work on paying the first off. Once it's paid off, then apply that amount to the next bill. You're already use to paying that bill anyways, so using it to pay off more on the next, will only get your amount paid off faster!
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