WHAT IS THE BEST WAY TO KEEP TRACK OF BILLS AND AVOID PAY­ING LATE FEES?

Secrets of Getting Organized - - Sanity Savers -

JA­NINE ADAMS

The fewer bills you have, the fewer pay­ment due dates you have to re­mem­ber. You can au­to­mat­i­cally pay some bills, like your cell phone bill, with a credit card. Then you have just one bill (the credit card) to re­mem­ber to pay. I like to pay my credit card in full, but some­times I may not have the cash fl ow to do that, so I set up an au­to­matic pay­ment for the min­i­mum, just in case I for­get to pay the bill on time. That way I never get a late fee.

ABY GARVEY

For non- re­cur­ring bills, have a sin­gle spot to col­lect them, such as an in- box or let­ter tray. If you’re a vis­ual per­son, give your­self per­mis­sion to keep this out in the open. Set aside a specifi c time once a week to pay any bills that have come in dur­ing that week. (Be sure to block out this time in your plan­ner.)

KATHY JENK­INS

Set up a tick­ler sys­tem with fold­ers la­beled 1 to 31 for ev­ery day of the month or four fold­ers, one for each week of the month ( place bills into the fold­ers based on their due date). Or set a re­minder on your phone for, say, 8 a. m. on Thurs­day morn­ing to pay your car loan.

JEN­NIFER FORD BERRY

Have a sys­tem in place that you use over and over the same way each month. Mark due dates in your plan­ner.

KATHY VINES

Switch as many bills as pos­si­ble to an au­to­pay op­tion and cre­ate an au­to­matic trans­fer sched­ule for your bank ac­count in case you need funds to be re­plen­ished into your bill- pay­ing ac­count. Or pay those bills as soon as they come in.

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