How to Easily Organize Your Bills in 3 Simple Steps


Looking for bill organization ideas? Learn how to understand and track your bills and payments and find ways to easily organize your bills using technology.

If you need bill organization ideas, you’ve come to the right place! In this article, you’ll learn how to understand what bills you actually owe, work out a payment schedule to help you stay organized, and find ways to organize your bills with the help of technology.

How to organize your bills.

Wondering where to begin? Get our FREE guide, The 30-Minute Organizing Secret, and discover easy ways to overcome the chaos of clutter – even with kids at home!

Paying the bills is a responsibility that many adults dread. Keeping track of dollar amounts and due dates can be confusing, if not exhausting, and missed payments can result in serious consequences. Even though it’s clearly important, staying on top of your bills can feel downright impossible.

If you struggle to manage your bills, you may want to bring a little order to the process by getting organized. Organizing your bills isn’t hard, and it’s definitely worth the effort. Taking the time to organize your bills will ultimately save you valuable time and energy. Missed payments can result in minor inconveniences to serious punishments, from late fees to hits to your credit. You’ll sleep easier once everything is organized, knowing your payments are taken care of.

Learn How to organize your bills

Tired of stressing over missed payments and mixed-up due dates? Searching for some bill organization ideas? Keep reading to learn what steps you need to take to get organized and stay organized with your bills:

3 simple steps to easily organize your bills.

Step 1: Understand what bills you owe.

Start the process of organizing your bills by making a list of everything you pay on a regular basis. You want to track a few critical details:

  • What is the bill for?
  • When is the bill due?
  • How much do you owe?
  • What payment method should you use?

As you list everything out, you’ll want to organize this information in a way that makes sense to you. Everyone thinks differently, so it’s important to find a method that suits you. Fortunately, you have plenty of bill organization ideas to choose from, including these:

1. Organize your bills with a spreadsheet.

Spreadsheets can be great tools in staying organized. They offer an easy way to track information and offer lots of flexibility around formatting. You can download a template online to track and organize your bills, or you can create your own.

2. Organize your bills on a printable.

Prefer a more traditional approach to tracking your bills? Keep track of amounts owed, due dates, and other details with pen and paper. You can use a simple notebook, or you can have some fun with the process and use our printable budget tracker.

The budget tracker is a part of our Take Action Printables binder. This binder pack has the expense tracker, budget printable and tons more (like a grocery list and weekly cleaning checklist). It’s such a time-saver!

3. Organize your bills with an app.

There are lots of apps out there designed to help you keep track of your bills. Available for both Android and iPhone, Prism is a popular choice for people who need help remembering when to pay what. The app will track your bills, send reminders when they’re due, and can even help you pay your bills electronically – and this is just one app. There are lots of other apps out there with similar functionality.

Never miss a payment with these bill organizing tricks.

Step 2: Set a schedule for paying your bills.

Paying bills on time can be tough when you’re dealing with due dates scattered across the month. Creating a schedule to pay your bills can be an easy way to make the process more organized.

First, put some thought into the bill payment schedule that would work best for you. Do your current due dates cause you stress? It may make more sense for you to stack all of your bills toward the beginning or end of the month so you can pay everything at once. Others prefer to split their bills, with some bills due at the start of the month and others due to midway through.

Then, based on the schedule that would work best for you, see if you can adjust your due dates. Contact customer service and ask politely. Chances are, you’ll find many are willing to work with you.

Once you understand your new due dates, you can create a more detailed calendar of exactly what you owe, when different bills are due, and how you need to pay.

Step 3: Use technology to keep your bills organized.

Technology has made our lives easier in a lot of ways, and when it comes to organizing your bills, it can definitely play an important role in the process.

How to get organized with your bills in 3 easy steps so you never miss a payment.

There are two easy ways technology can help you organize your bills. First, if you’re still getting paper bills, see if you can opt for online delivery. Instead of opening mail and keeping track of paper records, you can receive your bills in your inbox or choose to manage them directly in the service provider’s online portal.

Keeping your bills online lets you save them into folders, search them, and easily use them when you need them. It’s also a great way to reduce paper clutter.

Another way technology can help you keep your bills organized? Automate the process! By eliminating the potential for human error, you’ll ensure your bills stay organized – and paid – through online bill pay. You’ll spend some time on the initial setup, but once it’s done, you can sit back and relax knowing your bills will be paid on time and in full.

You can do this one of two ways – through your bank, or through each individual bill’s website.

Use your bank’s automatic bill pay service.

Many banks let you add payment details for your various bills and automate the payment process. Some transfer payments digitally, while others print checks and mail them off automatically when payments are due. Using your bank’s online bill pay will let you manage all of your bills from one spot.

Set up automatic payments directly through your service provider(s).

If your bank doesn’t have a sophisticated bill pay platform, you can often schedule recurring payments with your service providers. Log in and explore the settings to find and activate the auto pay feature. All you need to do is provide your bank information once.

The best way to organize your bills and take control of your budget.

Organizing your bills may require a bit of work, but the reward will be worth the effort. You’ll rest easy knowing exactly what you need to pay and when it’s due. And if you choose to use technology to organize your bills, you’ll have even less to stress about!

Do you have a favorite way to organize your bills? Let me know! Share your favorite bill organization ideas in the comments below.

Struggling to get motivated? Sign up to get our FREE guide, The 30-Minute Organizing Secret, and discover easy ways to overcome the chaos of clutter – even with kids at home!

More Home Organization Articles:

Now that you’ve got your bills organized, why not tackle the rest of your desk? Our complete guide to home office organization will show you how, plus here are a few other articles you might enjoy:

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