How to Create a Bill Paying Organizer

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Paying bills can be tedious. There are many ways to organize your bills but doing it by date is generally the most efficient. You can buy a bill-paying organizer but often they are not very durable. Creating your own durable bill-paying organizer is quick and easy and allows you to personalize it.

Things You'll Need

  • Three-ring binder
  • Polypropylene binder pockets
  • Monthly tabbed insert dividers
  • Daily tabbed insert dividers - 1 through 31

Select a binder with a ring size that will accommodate 31 dated dividers, 31 binder pockets and 12 monthly dividers. Be sure the binder you select has both a front binder pocket and a back binder pocket. A 3-inch binder spine is easy to use and durable. If you choose a view binder you can insert your own cover design for your very own personalized bill paying organizer.

Select daily dividers that are reinforced where the holes are punched to avoid ripping. Monthly and daily tabbed dividers are your perpetual bill-paying calendar, so make sure they're durable.

Select clear-poly, single-sided binder pockets. They are extremely durable and allow you to read your bills easily and quickly. You will need one pocket for each bill you must pay monthly, plus several more for others paid quarterly and for miscellaneous payments.

Start by inserting the divider for the upcoming month. Follow that with the dated tabs for the days of the month. Follow with the poly binder pockets.

Gather your outstanding bills and put each into a binder pocket, arranging them by due date. Move the monthly tabs accordingly as you move forward through the dates making your payments. Always put the tab for the month completed behind the rotating calendar tabs in the back of the binder and add the tab for the next month at the front of the binder as you move the current month's tab forward. This results in you having two active months of bills always organized by date, the current month and the next month.

Use the binder's front pocket to temporarily hold bills if you don't have time to open and file them immediately. Use the back pocket of the binder to hold bills that have been paid before moving them to your file cabinet or file box.

Tips & Warnings

  • Be sure you file bills for payment as soon as possible so you do not miss any due dates. At least once a week, make payments as they become due. Be sure to allow enough time for your payments to post by the due date.
  • Disorganization can lead to late payments, and that usually means penalties and interest charges.

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