You may be able to negotiate with your creditor to space out your payments. Use this printable Bills Payment Checklist to keep track of your monthly bills and never pay a late fee again Manually write in your bills or easily. Try to pay big, irregular bills over several monthly if you can't pay all at once.Since it takes a long time for a court case to come to bar, even if you get behind on these debts, you will have more time make things right with your creditors than you do with secured debts and necessities. In order for a creditor to seize your property in order to satisfy an unsecured debt, they first have to take you to court. After you've paid off your necessities, pay these. This includes mortgage and car payments (which are also necessities), as well as child support (which uses your wages as collateral) and back taxes. That means that if the debt goes unpaid, then the creditor can repossess whatever you have as collateral without first taking you to court. A secured debt is a debt that is secured by some type of collateral.Thing like mortgage or rent, your utility bills, your grocery bills, and any bills that allow you to work, such as child care or car payments. The third, and probably least used form, is to pay by check. Online methods include automatic, scheduled payments or logging in each month and paying companies directly or through your bank account. There are three basic approaches to paying bills. Necessities are the types of bills you need to pay in order to survive. Step 3: Decide How You Want to Pay Your Bills.It sounds easier said than done, but the way to start is by separating your bills into three categories: necessities, secured debts, and unsecured debts. Best Spreadsheets for Bills Best Bill Payment Tracker for Google Sheets Bill Tracker Spreadsheet from the Tiller CommunityĮasily track bills you manually pay via check or credit card with this flexible, highly visual bill payment template.Įven better, since it comes from the Tiller Community, it’s compatible with spreadsheets powered by Tiller Money Feeds.Start by paying your most important bills.
Here are five free spreadsheets for bills to keep you in control of your cash flow and account balances. But if you’re comfortable working in Google Sheets, you can connect your spreadsheets to Google Calendar, use Apps Script to get automated email reminders, and even send texts from your spreadsheets. These templates are simple, which is part of their appeal.
Here is a free monthly spreadsheet budget you can download today.
Note: A monthly budget can also help you anticipate upcoming and recurring expenses. See your upcoming bills on the go with Excel and Google Sheets mobile apps.Track bills with your spouse or business partner.
A bill payment tracker spreadsheet is perfect for people who prefer manual tracking, or a combination of automated and manual bill tracking. This can catch inaccuracies, but also help manage cash flow. While automation is a winning financial practice, many people prefer to manually pay their bills. While there are many ways to track and pay your bills (including automatic payments), a simple spreadsheet is a great tool for the job.Ī bill payment spreadsheet can help you track past and future payments, see how much you owe and pay each month, and (where applicable) show the interest rates on each account so you can prioritize payments before you owe excess interest payments.