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How to organize my payments

If you’re like me, you might be overwhelmed by the number of monthly payments that need to be made. So instead of keeping track of them all and remembering when they are due, I’ve found it easier to automate my payments as much as possible. 

Sort my monthly bills by date.

It’s time to get organized! To start, sort all the bills by date. Doing so makes it easier to see which payments are due when and will help ensure that you get all the payments. If there are a lot of bills, you should do this in stages.

Automate my payments as much as possible.

Set up automatic payments through your bank to make sure you don’t miss a payment. This way, you won’t have to worry about forgetting or scrambling to make a payment at the last minute.

Automate bill pay allows you to pay bills online or via a mobile app. Using a credit card with low interest for emergencies and big repayments is also a good idea. That way, your funds are ready for use without digging into emergency savings.

Pay my bills in one place.

You’ll need to do a few things to keep your bills organized. First, choose an online tool or spreadsheet to use. The key is that this tool will allow you to enter all of your bills and their due dates in one place. If there is an emergency and you are traveling for business or pleasure, this tool should also be easy enough for anyone else to pay the bills on time if needed.

Next, make sure that all payments are due on the same day each month (or at least within two days). That will make it easier for everyone involved in paying them because they will know when payment needs to happen each month. 

Finally, use calendar alerts, so everyone knows when payments are due without having to scroll through a long list. A crucial step in managing your and my payments!

Keep track of when my payments are due.

If you’re a busy person, there’s no shame in using an app to help you keep track of your bills and due dates. Apps like Todoist, Wunderlist, and Sunrise (which are all free) can remind you when a bill is coming up so that it doesn’t slip your mind. 

You can also organize your bills by category or payee in these apps so that it’s easier to find them when the time comes.

Know my payments history.

It is essential to keep track of your payment history to ensure clarity at the time of payment. You can do this by keeping a record of all your transactions and the amount you have paid. It will also help you know your next due date and how much you owe on any given day. 

That will help you plan properly so there are no surprises when it comes time for a payment due date. Even if a payment gets delayed or missed, no one has to suffer from major financial problems.

Manage my credit card debt.

You can also pay off your credit card debt faster by using a balance transfer or personal loan to consolidate it. That is how I handle my payments whenever possible. 

For example, if you have a $1,000 outstanding balance on one credit card and another lower-rate one with a $10,000 balance, you could transfer all of your balances to the lower-rate card and pay them off over time.

You might not have much left over after paying down your debt every month. But being able to say that you’re no longer in debt can be rewarding in its own right!


If you’ve read through this article and are still overwhelmed by your payment organization, don’t worry! We have a few more tips that might help. 

First, start with the basics: make sure your bills are organized on their own (either by date or category), then move on to automating any recurring payments. 

Finally, use tools like Mint or Personal Capital to keep track of all your expenses in one place. Structuring my payments requires some initial setup, but the process is more than worth it.