Home and Garden Magazine - Issue V-4669

 

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Monthly Bill Organizer-How To Stay On Top Of Your Finances Quickly And Easily

A monthly bill organizer is very important for maintaining positive cash flow. Very simply, cash flow in and cash flow out are two important aspects of oneís financial stability.

It hurts when one has to pay more than he is entitled to. Taxes are inevitable but late fees can be curbed down to level zero.

For most of us it is the credit card bill that takes a toll. A common mistake made by not so frugal ones. Use credit cards until they max out and pay little every month.

By the time you realize your credit card bill would have soared higher than the expense you incurred with maximum interest charges and late fees. For some it would be the phone and internet bills, gas and electricity and the list goes on.

Ever picked up a financial best seller? The first thing they talk about is organizing your expenses before saving. You can take the first step by getting a monthly bill organizer. Money that you save from those monstrous interest rates and late fees will actually go into your savings. A mail and bill organizer can certainly help you to have the money you need on hand at any given time.

Unfortunately, many people fall behind on their payments because they simply canít keep track of them all, and therefore, end up not paying them at all. Also, itís pretty hard to stay within your budget when you donít know how much youíve spent and have coming in per month. This is where a bill paying organizer comes in.

A monthly bill organizer has its greatest value in helping you to easily keep track of cash flow and make adjustments accordingly if you have more going out then coming in. without having this information, itís impossible to see the areas you need improvement on.

Keeping track of your expenses is certainly an underutilized skill nowadays, as itís something not really taught much ins school, and this is why so many people have so much trouble staying on target with their expense throughout their lives. The reality is, your financial situation is one of the most important of your life; if you donít have your finances in order, you are in serious trouble.

Unfortunately, in school today you are often taught accounting, history, physical education, science, etc, but very rarely taught how to manage money. this is one of the prime reasons so many people have trouble with this. Fortunately for you, a monthly bill organizer can take some serious pressure off of you in this situation.

Depending upon the number of bills you receive every month and your budget you can go either for a leather bill organizer or a wooden, plastic box one that has different slots for different bills. Place it on your desk or near your dining, coffee table where you can easily spot them.

This way you wonít miss on a payment. If you can get a small sliding door attached to your organizer it would be good to keep pens, checks handy. Otherwise, you can place a pen stand near your organizer. This organizer will make your corner clutter free as you would find your statements and bills stacked neatly on it and not crumpled in your drawer.

With the help of monthly bill organizer you will find money in your wallet that used to go away as late fees. You will notice this after couple of months when you will have extra money for the beautiful dress you always wanted to buy but hesitated to keep your monthly expenses at par.




 

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