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Whether you are married or single, taking control of the household finances can feel like a part-time job. Some simple tips can help you streamline your time, organize your finances, and reduce the stress of household money matters.
#3 Read Your Credit Card Statements
Most people take advantage of low interest credit card offers but never read their statements when paying the bill. Credit cards are notorious for using low interest as bait for new customers then switching to higher rates after a few months. Make a habit of looking at your statement carefully to see what interest rate you are paying each month and if any transaction fees have been applied. If the rate increases or a transaction fee appears on your statement, a simple call to the credit card company can oftentimes be beneficial in resolving the matter. If not, try to switch your money to a more favorable rate.
#4 Take Advantage of Automatic Payments
Most banks offer a way to automatically deduct money from your account to pay creditors. In addition, the creditors usually offer a lower interest rate when you sign up for this payment option because they get their money faster and on-time. Consider it as one fewer check to write, envelope to lick and stamp to buy. Just make sure you record the deduction when the automatic payment is scheduled or you run the risk of bouncing other checks.
#8 Cancel Unused Accounts
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#6 Sign up for Direct Deposit
Most employers have direct deposit or are getting it. Even Unemployment Compensation offers direct deposit as an option to receive benefit checks. On payday, the amount of your paycheck arrives in your account and is readily available. To set up, you only need a voided original check or photocopy so the bank can see the numbers at the bottom. It usually takes a few weeks to establish and is well worth the wait. However, you still should receive a payment stub from your employer, listing the itemized deductions for that period.
#7 Get Overdraft Protection
Most banks have a service where,[link widoczny dla zalogowanych], if you run the risk of bouncing a check, the money will come from another source. For a nominal fee, the bank will link your checking account to either a savings, money market, or credit card so the embarrassment of bouncing a check will be avoided. Call or visit your bank to learn about this convenient feature.
11 Simple Ways to Organize Your Finances
#2 Pay Your Bills on Schedule
Bill paying can be simplified if it's done at scheduled times during the month. Depending on how many bills you receive, you can establish set times each month when none of your bills will be late. If you're paying bills as you receive them,[link widoczny dla zalogowanych], chances are you're spending too much time in front of the checkbook. Although bills may state "Payable Upon Receipt", there's always a grace period. Call the creditor to find out when they need to receive payment before the bill is considered late.
#1 Keep Your Bills in One Place
When the mail comes,[link widoczny dla zalogowanych], make sure it goes in one place. Misplaced bills can be the cause of unwanted late fees and can damage your credit rating. Whether it's a drawer, a box, or a file, be consistent and make sure others in the household do the same. Size is also important. If you get a lot of mail, use an area that won't get filled up too quickly.
#5 Computerize Your Checkbook
Using a software program is a handy way to organize your finances. Whether it's Quicken?, Microsoft Money? or another package, these easy-to-use programs make bill paying and bank reconciliation a cinch. Computer checks can be ordered almost anywhere and fit right into most printers. Once the checks are printed, all of the information is automatically recorded in your electronic checkbook. Furthermore, many banks have direct downloads into these software packages so when money is deposited or withdrawn, the transaction is entered immediately onto your computer. And, when it comes time to do taxes, it couldn't be easier.