I sat down a few months ago and set everything up on budget billing.
Then I figured up exactly how much I need every month for my bills.
Mortgage (insurance/property tax included)
Cable/internet
Water
Electric
Truck insurance
Gas
I figured up how much I need a month for all of these combined. Then I divided that by the number of paychecks. At the time, I only got paid twice a month. Now, it's every week.
I opened a checking account just for paying these bills. So, I deposit the needed amount into the account each week. Now I have enough to cover my bills when they come in. No more waiting until the due date to get it in, no risk of paying late. I pay it the day the bill comes in.
As for groceries, gas and a few other things, I have envelopes for these and use cash. I put the money in the envelope each week. I keep track of my spending so I know about how much to put in each.
It has worked out very well for me.
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