Help with paying bills - ProTeacher Community




Home Join Now Search My Favorites
Help


      Teachers' Lounge


Help with paying bills

>

Reply
 
Thread Tools
Emptypeach Emptypeach is offline
 
Joined: Nov 2005
Posts: 261
Full Member

Emptypeach
 
Joined: Nov 2005
Posts: 261
Full Member
Help with paying bills
Old 12-05-2017, 07:02 AM
  #1

For the first time in 28 years I am paying the bills. My STBX always paid all the bills and handled all the finances (guess that's how he hide a five year affair ).

Anyway, do you have any suggestions for me? Do you pay them as you get them? Do you keep all the paperwork in a file? Should I set everything up on line?

Any tips for lowering my bills--can't I negotiate my gas bill?
Any ideas would be greatly appreciated.

Thanks so much!


Emptypeach is offline   Reply With Quote

Cinderella00's Avatar
Cinderella00 Cinderella00 is offline
 
Joined: May 2011
Posts: 1,700
Senior Member

Cinderella00
 
Cinderella00's Avatar
 
Joined: May 2011
Posts: 1,700
Senior Member

Old 12-05-2017, 07:11 AM
  #2

I'm not sure I can be a ton of help, but I'll share what I do.

I put every bill I can on autopay. That way I can't forget to pay them!

As a bill comes in that I can't put on autopay, I place it in a drawer that's specifically for bills. Each weekend I go through the bills and pay everything that's there. We recently purchased a new-to-us car, and I haven't set up an autopay on that yet. I have the coupon book in the drawer with the bills.
Cinderella00 is offline   Reply With Quote
timeforbed's Avatar
timeforbed timeforbed is offline
 
Joined: Jul 2010
Posts: 4,802
Senior Member

timeforbed
 
timeforbed's Avatar
 
Joined: Jul 2010
Posts: 4,802
Senior Member
finances
Old 12-05-2017, 07:13 AM
  #3

I like paying them on-line through my bank account. It is easy to set up and then it all pops up as a list on the pay bills section when I go online to my bank. I pay once a month when I get paid. I like paying extra on the electric bill so that if I need to scale back one month, I have a credit amount that cuts the bill way down.
timeforbed is offline   Reply With Quote
annie_g's Avatar
annie_g annie_g is offline
 
Joined: Dec 2007
Posts: 4,397
Senior Member

annie_g
 
annie_g's Avatar
 
Joined: Dec 2007
Posts: 4,397
Senior Member

Old 12-05-2017, 07:22 AM
  #4

I have always paid all of our bills. I pay them through my online banking once a month. As they come in, I put them in a basket by my computer. Then I go through them and pay them at the same time. I print out the page showing the online payment reference code, staple them all together, and then file them.

As for negotiating bills, you probably canít lower them, but maybe you can go on one of the plans where you pay the same amount each month for heating and/or cooling bills.
annie_g is offline   Reply With Quote
amiga13's Avatar
amiga13 amiga13 is online now
 
Joined: Feb 2014
Posts: 12,531
Senior Member

amiga13
 
amiga13's Avatar
 
Joined: Feb 2014
Posts: 12,531
Senior Member

Old 12-05-2017, 07:23 AM
  #5

Another autopay fan here. I use paperless autodeduct for everything I can. Nothing to do and so easy to keep track of by checking my bank accounts online. And think of all that stamp money and all those trees you’re saving, not to mention time spent writing and mailing bills.

DH liked paying online for the paper bills we received. I just write a check and mail those as soon as they arrive.



Last edited by amiga13; 12-05-2017 at 07:42 AM.. Reason: Clarification
amiga13 is online now   Reply With Quote
1956BD's Avatar
1956BD 1956BD is online now
 
Joined: Aug 2007
Posts: 23,587
Senior Member

1956BD
 
1956BD's Avatar
 
Joined: Aug 2007
Posts: 23,587
Senior Member
Bills
Old 12-05-2017, 07:28 AM
  #6

You can do it! It is not difficult. Have a special place where you keep all your bills and important mail.

Throw all junk mail away daily so it does not make your pile of bills too big.

If you like paying online by all means set that up.

I do better if I pay my bills when they arrive. Otherwise I sometimes forget exactly when each is due.

Read hints on Pinterest about how to lower bills and save money. They have tons of suggestions.

Good luck!
1956BD is online now   Reply With Quote
NerdTeach's Avatar
NerdTeach NerdTeach is offline
 
Joined: Aug 2017
Posts: 153
Full Member

NerdTeach
 
NerdTeach's Avatar
 
Joined: Aug 2017
Posts: 153
Full Member
What I do
Old 12-05-2017, 07:40 AM
  #7

I have a planner that I carry with me everywhere. In the back, I put a bill tracker with each month on the top and the bills down the side. As I pay for that month, I just check it off. The picture isn't mine, but it's the format I use. (Mine is much uglier!)


I pay every bill as I get it. I got ahead a few times and so for some of those, it means I am paying a month ahead of its due date. I don't mind this, so I let it just be ahead and keep paying like normal.

I have some bills autopay, but only the little ones that are the same amount every month (Netflix, car insurance, internet). The ones that change each month or that are large (gas, electric, mortgage) I pay independently.

For lowering bills--you can call your providers and ask for "the budget plan". Basically they spread your winter costs which are typically higher throughout the entire year. That way it is close to the same amount paid each month.

Hope that helps!
Attachment

Sign in to view attachment. Not a member? Sign Up FREE
NerdTeach is offline   Reply With Quote
NoKetchup's Avatar
NoKetchup NoKetchup is offline
 
Joined: Jan 2016
Posts: 302
Full Member

NoKetchup
 
NoKetchup's Avatar
 
Joined: Jan 2016
Posts: 302
Full Member

Old 12-05-2017, 09:32 AM
  #8

I pay everything online and I set up a tab labeled BILLS with all the bills website that I have to pay (rent, car, insurance, credit card, etc). The first of the month I click on the tap and pull up each bookmark to make sure I pay. It has really helped me!
NoKetchup is offline   Reply With Quote
MAsped's Avatar
MAsped MAsped is online now
 
Joined: Nov 2010
Posts: 9,259
Senior Member

MAsped
 
MAsped's Avatar
 
Joined: Nov 2010
Posts: 9,259
Senior Member

Old 12-05-2017, 10:02 AM
  #9

Yes, put as many bills as you can on AUTOPAY as someone above said. Anything else that you can't, pay as soon as you can so they're out of the way. Also, I made note of when each bill is due each week of the month, so I'm not caught off guard with anything. That's just an extra little precaution.

BTW, ladies, yes always be knowledgeable about your household's finances. Don't leave it to your husband to solely take care of.
MAsped is online now   Reply With Quote
daffodils's Avatar
daffodils daffodils is offline
 
Joined: Apr 2010
Posts: 3,182
Senior Member

daffodils
 
daffodils's Avatar
 
Joined: Apr 2010
Posts: 3,182
Senior Member
bills
Old 12-05-2017, 10:08 AM
  #10

I pay all our bills. I put as much on autopay as I can. All bills I have to pay on my own I put on my calendar app with the "paid X bill?" a few days before the due date. Autopay bills I put a note on the calendar app for "autopay for X bill"

I get all bills electronically and have them labeled as "bills" automatically when they come in.

I keep very little paperwork for billing. It's all online. You can access past bills easily online for each bill. I think at my last house I had one bill that was only a paper billing option and I kept those for a year and then would clear out anything older than a year.


daffodils is offline   Reply With Quote
ConnieWI ConnieWI is online now
 
Joined: Apr 2007
Posts: 6,536
Senior Member

ConnieWI
 
Joined: Apr 2007
Posts: 6,536
Senior Member
Very Little Autopay
Old 12-05-2017, 12:47 PM
  #11

I do not use autopay except for my house payment and health/dental/drug insurance.

I write a check and mail/drop it off for my electric, heat, gas for the car, cable, and credit card/s.

No, I do not balance my checkbook...stopped doing that forty years ago!! I get a statement from the bank each month and that is that.

I do use a debit card for grocery shopping.
ConnieWI is online now   Reply With Quote
Ima Teacher's Avatar
Ima Teacher Ima Teacher is offline
 
Joined: Aug 2005
Posts: 26,231
Senior Member

Ima Teacher
 
Ima Teacher's Avatar
 
Joined: Aug 2005
Posts: 26,231
Senior Member

Old 12-05-2017, 01:13 PM
  #12

I have everything on autopay. The electric and gas are on the budget plan because they are the only ones that fluctuate more than a few dollars, if at all.

I'm paid once a month, so I have all my bills paid at the same time. I had to call and ask for a different due date in a couple, but that wasn't an issue.

I get paid the fourth Friday of each month. My bills are deducted on the third of each month, and whatever is still in my account after that is mine to spend or save as I wish.

I also have a spreadsheet that helps me keep track of monthly spending, and it includes things that come out automatically
, but not monthly, like my garbage bill (quarterly), AAA (yearly), etc.

There isn't really paperwork since it do it all autopay or online. I do still keep a paper checkbook register. I'm just old fashioned that way.

As far as saving money on bills, I'm not sure. I really don't have a lot of extras there.
Ima Teacher is offline   Reply With Quote
elspeech elspeech is online now
 
Joined: Jan 2013
Posts: 1,160
Senior Member

elspeech
 
Joined: Jan 2013
Posts: 1,160
Senior Member

Old 12-05-2017, 04:28 PM
  #13

I'm with many others - autopay is awesome! I get paid 2x / month, so I have it arrange that one big bill (mortgate) comes out of one and 2nd big bill (car) comes out of other. The remaining bills are randomly scattered throughout the month. Some I actually have autopay by credit card so I get the points, and then pay off 1-2x / month.

To bad I can't do that with mortgage or car - I'd get tons of points!
elspeech is online now   Reply With Quote
Gromit's Avatar
Gromit Gromit is offline
 
Joined: Mar 2009
Posts: 8,611
Senior Member

Gromit
 
Gromit's Avatar
 
Joined: Mar 2009
Posts: 8,611
Senior Member

Old 12-05-2017, 04:47 PM
  #14

Another autopay fan here! Everything that is the same every month is through my bank's billpay feature, and everything that changes I just put on "autopay" through that thing. I get a text "your payment will go out in X days" and I never have to think about it!

If I buy something big on the credit card, I go home and send a check through my bank to pay off however much I've charged so far that month. It costs exactly the same; I just don't like seeing huge amounts on my bill.
Gromit is offline   Reply With Quote
Haley23 Haley23 is offline
 
Joined: Jul 2012
Posts: 4,505
Senior Member

Haley23
 
Joined: Jul 2012
Posts: 4,505
Senior Member

Old 12-05-2017, 04:47 PM
  #15

I get paid once per month, so it's easiest for me to just pay all of my bills at the beginning of the month, regardless of when they are due. A couple of them aren't due until the 15th and I just pay them all on the 1st anyway. It's easiest for me to just pay everything when my rent is due so I don't forget. I just sit down and pay them all at once so I know it's done- it takes maybe 5 minutes.

Since I pay everything online, I don't have to wait around for a paper bill to arrive. I also like not having to mess with writing/mailing checks. My apartment complex just changed management companies, so residents had to pay with checks this month because they don't have their online system set up yet . I was lucky to find an old checkbook stashed in my files...it has literally probably been 5 years since I've written a check! The address on my checks was from 2 residences ago!
Haley23 is offline   Reply With Quote
Marriedin79's Avatar
Marriedin79 Marriedin79 is offline
 
Joined: Jun 2007
Posts: 1,342
Senior Member

Marriedin79
 
Marriedin79's Avatar
 
Joined: Jun 2007
Posts: 1,342
Senior Member

Old 12-05-2017, 05:34 PM
  #16

Quote:
I put everything I can on autopay.
When I first saw this, I thought it said autopsy. Yep, letís make those bills die!
Marriedin79 is offline   Reply With Quote
word girl's Avatar
word girl word girl is offline
 
Joined: Nov 2009
Posts: 1,230
Senior Member

word girl
 
word girl's Avatar
 
Joined: Nov 2009
Posts: 1,230
Senior Member

Old 12-05-2017, 06:39 PM
  #17

I have a couple of things on autopay, but mostly I do what Haley23 does - I sit down on the first of the month and pay everything. That way I know it's all been paid and I don't forget anything.

The only thing I don't like about autopay is that it's the same amount each month. That works for regular bills like a car payment, but I like the flexibility of being able to pay different amounts, like for a credit card bill for example.

I do everything online and all of my statements are online too, so that has really cut down on paperwork.
word girl is offline   Reply With Quote
tia's Avatar
tia tia is offline
 
Joined: Mar 2001
Posts: 7,205
Blog Entries: 6
Senior Member

tia
 
tia's Avatar
 
Joined: Mar 2001
Posts: 7,205
Senior Member
i didn't read everyone's responses,
Old 12-05-2017, 06:45 PM
  #18

so forgive me if i repeat.


the only bill i have on autopay is our car insurance because once i didn't pay it in time (the renewal payment!) and we were without car insurance for about a week.

if you are only just starting to do your bills, i wouldn't recommend putting them on autopay. You should get to know what your typical bill payment is each month (and how your electric, water, and gas fluctuate through the seasons--if you pay those).

i used to HATE doing bills (still don't enjoy it)...when i was writing checks, licking envelopes, and adding stamps. yuck! now i do everything online. every bill (except medical) is connected to our checking account, so it's pretty slick to do.

i choose to not have autopay because doing the bills reminds me that the money is coming out, and i don't want forget about a large amount.

i have a list of all the bills that need to get paid and i have my logins and passwords written next to them. i pull the list out each month, right after payday...so i can make sure i've got them all. (you should be able to push back a due date so they are all due around the same time.)

i can "level pay" (i think it's called) my gas and my electric bill so that i pay the same thing each month--but since one is high in winter while the other is low, it evens out.

i don't keep any paperwork.

YEARS ago i called our trash/sewer company (can't remember why) but when they heard it was just DH and myself (not family of 4), they lowered our rate. (???) i should check in with them since we're empty nesters now...
also, you should call your TV company and tell them you're thinking of cancelling, do they have a better rate they could quote you?

hope that helps!
tia is offline   Reply With Quote
pdxteacher's Avatar
pdxteacher pdxteacher is offline
 
Joined: Aug 2009
Posts: 2,729
Senior Member

pdxteacher
 
pdxteacher's Avatar
 
Joined: Aug 2009
Posts: 2,729
Senior Member
Autopay, but with a warning
Old 12-05-2017, 07:05 PM
  #19

I, too, have put all of my bills on autopay. The one thing you have to do, though, is check your monthly statements carefully. Before we dropped cable I was constantly finding errors in our bill that could have been easily overlooked with autopay. Itís awesome for things like the mortgage and car payments, but with cell phones, cable, etc. make sure to check those statements.
pdxteacher is offline   Reply With Quote
crazy4catz's Avatar
crazy4catz crazy4catz is offline
 
Joined: Jun 2008
Posts: 9,933
Senior Member

crazy4catz
 
crazy4catz's Avatar
 
Joined: Jun 2008
Posts: 9,933
Senior Member

Old 12-05-2017, 10:48 PM
  #20

I pay them once a month using bill pay on my online banking. I also do automatic transfers for a couple things like paying off our home equity loan. I pay a certain amount each month. It is not hard. Good luck!
crazy4catz is offline   Reply With Quote
Zia's Avatar
Zia Zia is offline
 
Joined: Jan 2015
Posts: 12,913
Senior Member

Zia
 
Zia's Avatar
 
Joined: Jan 2015
Posts: 12,913
Senior Member

Old 12-06-2017, 05:54 AM
  #21

I'm a weirdo about bills. I check the mail when I get home and pay any bills immediately through online banking, scheduling them to go out the day they are due. I love online banking! Autopay triggers my control issues.
Zia is offline   Reply With Quote
kahluablast's Avatar
kahluablast kahluablast is offline
 
Joined: Aug 2008
Posts: 17,112
Senior Member

kahluablast
 
kahluablast's Avatar
 
Joined: Aug 2008
Posts: 17,112
Senior Member

Old 12-06-2017, 06:02 AM
  #22

I only use autopay for bills that matter a ton if they are late. Mortgage because of how it implicates credit... I pay the rest on my bank's bill payer because it is free and easy. I still balance my account because how else do you know if you have money?

I used to pay mine once or twice a month, but now I pay them as they come in. I wasn't working before, so I could keep a better eye on it, but now I could easily miss the day, so I just do them as they come in. Or when the pile gets big enough.

I need to do one of those tracking sheets. There are a couple of times since we bought our second home that I missed a bill and am surprised the next month when I now owe double on something! I can't even tell you how often that has happened as a matter of fact. And no, our credit is very good. No one has punished us because of it. A tracking sheet would be good. I tend to go down through my bank bills and just check to make sure everything has a payment toward the end of the month. I am going to try the tracking sheet though, and on paper. That would be good
kahluablast is offline   Reply With Quote
Gromit's Avatar
Gromit Gromit is offline
 
Joined: Mar 2009
Posts: 8,611
Senior Member

Gromit
 
Gromit's Avatar
 
Joined: Mar 2009
Posts: 8,611
Senior Member

Old 12-06-2017, 08:05 AM
  #23

Quote:
I still balance my account because how else do you know if you have money?
If you have a budget that you stick to, you know you have money. The only checks you have to do are to go through the statement occasionally and make sure all the charges are ones you remember.

I don't think I've balanced a checkbook in at least 15 years (though even before that I did it only rarely - back then, I just called the bank to ask what my balance was )
Gromit is offline   Reply With Quote

Join the conversation! Post as a guest or become a member today. New members welcome!

Reply

 

>
Teachers' Lounge
Thread Tools




Sign Up Now

Sign Up FREE | ProTeacher Help | BusyBoard

All times are GMT -8. The time now is 12:13 PM.

Copyright © 2017 ProTeacher®
For individual use only. Do not copy, reproduce or transmit.
source: www.proteacher.net
22