Monthly Bill Organizer - If your filing habits are anything like mine, you have a place where you stack all your bills and papers, in the hopes that if you don’t take care of them, they’ll go away. Unfortunately, companies that I owe money to don’t seem to have the same vision, and my shoebox-style monthly bill organizer isn’t helping me keep bill collectors happy.
I needed a new method of staying ahead of the bill-paying game, I realized, and went in search of ways to set up a new monthly bill organizer. My first stop in the hunt for a better monthly bill organizer scenario began with a search on the internet, which ended up leaving me boggled at the options available.
Site after site touted their version as being the best money could buy, promising a clean desk and knowing exactly where I stood in regards to what bills needed to be paid. What was interesting were that many were just like mine, shoeboxes, only fancied-up with a few more slots and a sleek design. Already having tried that, I aimed for a monthly bill organizer higher up on the design scale.
One design that caught my eye was a wooden box with multiple slots on the top. There were 32, in fact, with one for every day of the month, plus an extra. That was exactly what I needed, I thought, and sat down to read more. There was a handy drawer at the bottom of the monthly bill organizer for stamps and pens, and the box itself was attractive. The price wasn’t that bad either, this monthly bill organizer came in at less than $100. Apparently, getting organized has a cost.
Another type was software that I could install in my computer, which seemed right up my alley. I spend a fair deal of time in front of the keyboard, and I could enter my bills to pay in a nicely-interfaced database that would remind me with notices when a bill was due. The idea was great, but it meant I’d have to get my shoebox and organize the contents before I even got organized.
With a sigh, I picked up my faithful shoebox. Battered and worn, it hugged a month’s worth of notices and statements (and more). Picking up the stack, I leafed through every bill, glancing quickly at the amounts and shuddering, hiding the larger totals under the bottom of the stack and putting the more manageable bills on top. I was an escapist, I realized, using the kindly shoebox to help myself pretend that the money I made in a week could stay in my bank account. I didn’t need a monthly bill organizer. I had the perfect one right here.
Previous Articles Highlighter:
Monthly Mortgage Payment Calculator (1)
...that you have room for the additional money required each month for this as well. Also, many homeowners who have property tax like to include this obligation in their mortgage payment each month ...
Mortgage Deal (2)
...looking for mortgage deals. There are many home owners who cannot seem to move their property, and the banks and financial institutions are aware of this. They want to do everything they can to encou...
Mortgage Payment Protection Insurance (3)
...loan for a few years only to lose the house because you are unable to keep up with the debt because of an unexpected setback. You not only lose your home but you also lose all of the money you spen...
Mutual Funds Investing (4)
...are awful and you earn the bulk of your money in cash. While this seems like a wonderful thing it can actually wreak havoc on your savings. This is why I decided to look into mutual funds investing....
Non Profit Credit Counseling (5)
...you. Don’t get me wrong – just because something is non profit credit counseling doesn’t mean it is a scam. Nevertheless, many of these credit counseling non profit organization...
Online Banking (6)
...Fargo, Bank One, and Chase, as well we smaller banks and credit unions offer some form of online banking, also known as electronic banking or home banking. There are many advantages and only a few d...
Online Finance Degrees (7)
...one of these from your home That sounds ideal if you can’t attend a University day-in and day-out. These days an education is plausible for anyone. Isn’t it high time you got on the...
Online Tax Returns (8)
...a time when filling up my taxes and submitting them to the IRA was the most painful thing I could imagine. I mean, many were the days when I feigned sickness or lay in bed the whole day wallowing ...
Out Of Debt (9)
...after graduation I mean besides the acceptance of your degree. You realize you’re in debt. From one credit card, to student loans, to another credit card, you’re in over your head, an...
Personal Budget (10)
...each and every day, so I set out to do exactly that. I would create a personal budget and learn how to pay off my debts. I was determined. After the first week, I looked over the items that I’...
Personal Credit Reports (11)
...There were two credit cards taken out in his name. Both cards had charges to the maximum level and also cash advances had been taken out. No payments had been made. My niece and her husband contacte...
Personal Finance Spreadsheet (12)
...head on. Even if you start with a simple format and a few details you can be well on your way to financial organization which can lead to financial security in the long run. There are different me...
Personal Government Grants (13)
...now. Are you ready for some financial aid I can’t say that I know a great deal about personal government grants. However, I have done a little reading on financial aid and where it comes from...
Real Estate Investment Loan (14)
...on four acres of land. Seeing it in its completion made me want something similar. However, I’m not so sure where I want my perfect home. It’s rather difficult to choose a single spot ...
Real Estate Investment Opportunities (15)
...wise to invest more money than you can stand to lose. What I didn’t realize then is that real estate investment opportunity works just like any other kind of investing. It is true that, unli...
Repair Credit Score (16)
...to go back to some old bills that perhaps you have not taken care of as of yet. These are sitting on your credit report and will remain there for a long time. If you want to repair credit score, ...
Retirement Income Planning (17)
...when we’re young is the future. Now, by the future I am thinking along the lines of retirement funds. Have you dabbled with this yet I am getting there. Now that I recently turned 31, I am...
Saving Money Tips (18)
...now. No matter how long you have messed around, it is never too late to start to use saving money tips to make your life a little easier. I don’t care how much money you have there is alway...
Savings Account (19)
...of money, even five dollars a month can add up in the long run. If you have family that doesn’t know what to get your child for a special occasion, you can also ask them to contribute to the ...
Small Business Grants And Loans (20)
...in life. Sure, they will often shoot you some spiel about how it would have never worked out, or they couldn’t afford to go to college and really make it happen; but this is generally bogus ...
Small Business Loans (21)
...it is important for you to do your homework, and find out what is expected of you before you ever contact any bank or financial institution. Small business loans are often based on your credit, wh...
Starting Salaries (22)
...really use their help – one of the most noble fields that there is – educating the young. Personally, I think this is a shame. Don’t get me wrong – I understand the impor...
Starting Your Own Business (23)
...many fields. Cyberspace has opened doors for millions of individuals like yourself who prefer to work at home. Nothing is like it used to be. So if you’re hating your current job position,...
The Stock Market (24)
...safe investment. Investing in the NASDAQ Stock market is never safe. If you do not realize this, you should not play the stocks. Gimmicks like investing online lure a new generation of people with th...
Ways To Invest Money (25)
...it. I had also not thought about investments. You see, most of the ways to invest money that I had been exposed to were high-risk. I knew that you could invest your money online in stocks, but it see...
Ways To Make Money (26)
...that won’t pay your bills but it is effortless. Another one of the ways to make money through some of the paid email sites is to fill out different offers. This is where I strongly advise...
Accept Credit Cards Online (27)
...having any trouble finding me; they’re just not ordering. I had a friend review my site and he immediately spotted the problem. I wasn’t set up to accept credit cards online. Wh...
Adjustable Rate Mortgage (28)
...when current interest rates are volatile. This increases the lenders’ desire to push the adjustable rate mortgage in the market. The borrower immediately sees that he can get more house ...
Affordable Health Insurance (29)
...for the moment it touches my bank account. My current employer covers my health insurance with a PPO. I have been covered under HMOs in the past and I can’t imagine going back to that. Whe...
American Express Credit Card (30)
...ago that cash was the preferred way to get stuff, but those days are long gone now. All across the country and the world, people are using their Visa, Mastercard card, or American Express credit car...
Annual Incomes (31)
...increase our annual incomes enough to keep up with the rising costs of everything else in the world. I suppose that is what the government is trying to eliminate. I know that I am not in the mino...
Bad Credit Debt Consolidation Loans (32)
...debt consolidation loans. Before you get one of these loans, make sure you know what you are getting into. There are a lot of companies out there who will now issue bad credit debt consolidation lo...
Best Way To Invest Money (33)
...each person or family has to muck out on their own. It isn’t always easy, and many people make mistakes despite the good intentions of those who try to help them. An example of the bes...
Bi Weekly Mortgage Payment (34)
...to less than five percent on fifteen year mortgages. We decided to refinance so that we could get the house paid off by time we retired. When we went through the refinancing process our loan of...
Consolidation Of Student Loans (35)
...education expenses as they go in cash. It is definitely a better alternative to charging it on a credit card with outrageous interest rates. However, when those interest statements and payment notice...
Debt To Income Ratio (36)
...It is now years later and I’m lucky to even have a $500 balance on my cards. I’m in debt beyond belief. Though I seem to owe everyone in the world some sort of money, I haven’t ...
Federal Loan Consolidation (37)
...to have a hard time paying them back. Though this should be common knowledge, many people want to go to college and this is the only way they can go. Once you graduate, you are faced with the rea...
Good Credit Score (38)
...and needing to borrow money. Perhaps you’re borrowing money for your dream home, remodeling your old home or just need a new vehicle. Whatever the need is for asking a lender for money, muc...
Online Banking (39)
...possible, but even with today’s technology, you should know that what you are seeing on your computer screen might not be up to the minute information. Online banking makes it very easy to ...
Debt Consolidation Service Uk (40)
...In reality, there are a number of significant points that a person needs to ponder and examine when he or she is looking to engage a debt consolidation service U.K. agency for assistance. In othe...
Accept Credit Cards Online (41)
...there is something you should remember. Most sites accept credit cards online, but some are not as safe as others. You can look for the Verisign logo, but there is something else you should look for...
Advance Cash Loan Online Payday (42)
...need is an advance cash loan online payday. Yes sir, I’m talking about a temporary loan to get you back on track. The last thing you want is those bill collectors pounding down your door. The ...
Adverse Credit Loans (43)
...in the position of having to take one, ask yourself what other choices you may have. Of course, sometimes you have to take out an adverse credit loan, and that is that. If you are faced with the ...
Apply For A Loan (44)
...unless your parents foot the bill throughout your college career, and you avoid credit cards like the plague, this will most likely be your reality as well. So, are you ready to apply for a loan an...
Apply For Credit Cards (45)
...able to apply for credit cards by filling out an online form. It is a really simple process and you will find that you can fill out a form in no time at all. The convenient credit application proced...
Balance Transfer Offer (46)
...paid off, and to lower your payments on the balance. Problems can arise with this, however, and you should not jump from card to card to card. There are hidden fees at times, which can end up cost...
Balance Transfer (47)
...for a credit card company to transfer your balance to, and if you are thorough in your search you could make out quite well in the end. Probably every day you receive an offer in the mail to open a ...
Bank Account Information (48)
...someone else. My sister received an alarming email that stated that someone tried to make an unauthorized transaction through her Pay Pal account. The email requested that she verify her bank accoun...
Business Grants (49)
...This is what business grants are for. What do you know about contemporary business grants? Were you even aware that you could acquire money from government funds in order to start your own compa...
Federal Income Tax Return (50)
...taxes nowadays? Do you handle your filing all on the web? This is one aspect of computers we can all appreciate. It’s just so much simpler to do our taxes online. You basically fill in some f...
Get Out Of Debt (51)
...rates, so getting them paid down first makes a lot of sense. One of the next steps to get out of debt is to see if you can get your mortgage rate reduced. If you have poor credit, you probably can...
Information On Bankruptcy (52)
...talking about spending money you plain and simply do not have. Now, this doesn’t mean that you shouldn’t invest in a house for your family if you can’t pay for it in one cash tran...
Investing For Dummies (53)
...for dummies.” Although there is room in the world of investment for beginners, the fact is that there are few areas where expertise is more important than in this one. If you think about...
Investing For Retirement (54)
...pressing matters to spend my money on. But after a consultation session with a financial advisor, I realized that I have to make this a priority and start setting aside money to invest right now. Th...
Investing In A Business (55)
...looking back at it, I can not figure out how I could have believed that. Anyway, investing in a business did not seem like such a big risk to me back then, because I figured that I would know well b...
Investing In Bonds (56)
...the investment opportunity. Some of the higher risks would be smaller businesses or the ones that are involved in something that is deemed high risk. These are usually quick turnaround bonds as t...
Investing In Gold (57)
...is fairly stable in its value. There is a base amount of gold that is allowed to be mined and this is typically created into jewelry. Many people have begun investing in this arena with the thought ...
Investing In Property (58)
...in the wrong area can have dire consequences for your economic future. But if you take the time to learn a little bit about what you are doing, and have a good chunk of capital to start out with, you...
Low Income Health Insurance (59)
...experiences times of financial woe. The stress during these times can be compounded by healthcare costs. Low income health insurance options are available for families in need. You may even f...
Making Money On The Internet (60)
...to bring in profits? Are you going to do it all on your own or are you going to hire people to work with you? These are all important to think about before you get carried away with your d...
Ways To Make Money (61)
...to make money that I have uncovered or tried. Some of them may sound ridiculous or pathetic, but if you need money, there is a need for creativity. If you don’t have a job, one of the best wa...
Car Loan Bad Credit (62)
...The trick is to find a place that will help you with financing. When you get a car loan bad credit will make the process more difficult. Your options will be limited but you can find the funds you ne...
College Health Insurance (63)
...dad’s thumb. Finally we get to make the rules and set the curfews. No more lectures about when to be home and where to go out. It’s freedom at last. Well, this is part of the college e...
Compare Credit Card Rates (64)
...and other features designed to get your attention. Everyone wants your business, and many offers have similar features, but it is the fine print you want to take special note. Credit card companie...
Compare Interest Rates (65)
...to compare interest rates and other related charges related to acquiring a new mortgage or refinancing options for an existing property. Request information from a variety of institutions so that yo...
Consumer Debt Solutions (66)
...consider consumer debt solutions. If you are only able to make minimum payments and never able to completely pay off a credit card debt or personal line of credit, then you should take a serious l...
Debt Relief Usa (67)
...usa for example. This is one way to tone down those monthly payments. It seems like anybody and everybody always end up with countless credit cards. Of course this wouldn’t be a problem if t...
Debt Relief (68)
...are not as many easy ways out anymore. Some people find themselves in financial trouble because of a job loss or abundant medical bills. Others are in that situation because of overspending. What...
Dollar Store Merchandise (69)
...is part of a chain, you will probably already have dollar store merchandise when you open. You may also have a supplier that brings you your stuff each week. If you have ever been in Dollar Genera...
Eliminate Credit Card Debt (70)
...my spring back from back then. Interest rates and continued spending have put me $20,000 in debt on just my credit cards. While I have excellent credit, it is more difficult to get loans when compan...
Emergency Debt Relief (71)
...debt altogether was hardly an option. You surely know the routine. Once you finish high school, you venture off into the "real world" on some level. This real world is loaded with expe...
Apply For Credit (72)
...can get the car. If you need it, you need it now. If you want to own a home, it might be possible to save, but it is going to take you a long time to do it. You may be retired by time you have enou...
Military Discount (73)
...helps out, but sometimes, there are struggles that go beyond that assistance. Many companies recognize the dedication and sacrifices of those military personnel and their families. They have start...
Mortgage Protection Insurance (74)
...those who buy a house and finance a mortgage are young and very healthy. They really don’t foresee anything happening that could interfere with their ability to hold a job and make money. Howe...
0 Apr Credit Cards (75)
...abusing those evil credit cards. I call them evil for obvious reasons. They tend to shaft you with the interest rates at some point or another. Of course if you can find 0 apr credit cards, the...
0 Balance Credit Card Transfer (76)
...a credit card that might have a very high interest rate to one with a lower rate that is more manageable. Many times people pay the minimum balance payments on their cards, and this does not go v...
0 Percent Balance Transfers (77)
...There are several things to look for when searching for a credit card company to transfer your balance so that you can receive a 0 percent interest rate, and if you take your time you can get some...
15 Year Fixed Mortgage Rates (78)
...to pay off the house as soon as possible but we didn’t want to get in over our heads with high monthly payments. In addition to considering loans with 15 year fixed mortgage rates we also looke...
2Nd Mortgage Refinance Loans (79)
...get 2nd mortgage refinance loans. You are either going to pay more each month for your mortgage (either by a higher payment or by having two payments) or you are going to extend your existing payment...
30 Year Mortgage (80)
...for a 15 year loan. This is on a 100 thousand dollar loan. I was shocked to discover that the interest paid over 15 years was 64,000 dollars in comparison to 164,000 dollars for a 30 year mortgage. W...
Adjustable Rate Mortgage (81)
...that we knew what we would choose ahead of time but the whole thing is much more complicated than I anticipated. The fixed rate mortgage seemed like the perfect choice. We would always know exactl...
Advance Pay Day Loan (82)
...loans commonly have four major requirements. First of all you have to have a source of income. After all, they don’t call it an advance pay day loan for nothing. You have to expect a payday i...
Adverse Credit Mortgage (83)
...on time. Another is if they don’t have income which can be easily verified. This is often the case with an individual who is just starting out in their own business. Regardless of how they did...
Affordable Apartments For Rent (84)
...The first thing that you want to consider is your income. If you fall within a certain yearly income you may be able to seek help from organizations like HUD. These groups offer low income tenants ...
Affordable College (85)
...have a trust fund, and your part-time job isn’t going to cut it. Well, the first thing on your to-do list should be to find an affordable college with an excellent reputation. Often an afford...
Affordable Dental Plans (86)
...There are plenty of online resources that will help you in your decision-making process. The great thing about this approach is that there are no pushy sales people and you have a plethora of infor...
Affordable Health Insurance (87)
...luck changes, you will be glad that you did! I have a friend who couldn’t find affordable health care. You see, there were a number of risk factors in her family history. Several of her aunts ...
Affordable Individual Health Insurance (88)
...Yeah, that sounds about right. Unfortunately for us all, we do need certain types of insurance at all times. But, we have to make certain we’re getting a company with some integrity to back u...
Affordable New Homes (89)
...options that can offer surprisingly low monthly home mortgage payments that are quite manageable. Many people believe that affordable new homes don’t really exist. However, you may be surprised...
Affordable Real Estate (90)
...and sellers educate themselves about the market, the more comfortable they well be in their final decision. For many people wanting to be homeowners, finding affordable real estate can be difficult...
Affordable Vacation (91)
...year. It never matters where it is, it just needs to be someplace away from home. With having a limited income and raising a child, the finances simply aren’t there when we need them. Our goal ...
American Express Credit Card (92)
...with a 0 APR for the first year. It’s not worth your future earnings and upcoming torment with debt. It’s bizarre for me to mention this now because my 18 year old daughter is currentl...
Annual Incomes (93)
...you are probably basing that decision on many factors. Serious thought should be given to how much the annual incomes are of the jobs you are considering. You certainly don’t want to move to...
Auto Loan (94)
...that you need to have practically perfect credit. However, it is always worth a try. Companies certainly are seeking for new customers and quite a bit is possible now than it used to be. This aut...
Bad Credit Consolidation Loan (95)
...transgressions have completely ruined their financial lives. Nothing is further from the truth. However, you have to take the appropriate steps to making things right. A bank will understand that ...