组织支付账单
Habits of the financially savvy when dealing with paperwork.
保护你的 信用评分， make a。 财务计划 and get organized by changing your bill routine. 错误的账单, late payments and forgotten invoices can impact 信用评分s, 点球和制造很多压力. 保护你的 money, organize your finances and help prevent a headache with these suggestions.
在家整理账单和文书工作
- 找一个文件柜或盒子. Create two sections labeled "permanent" and "active". Keep documents that are completed but need to be accessible such as tax records in the permanent section, 字母顺序排列. Bills and other items that still need action go in the active section. Hard-to-replace documents such as 车辆 titles, stocks and bond certificates and property deeds should be kept in a safe-deposit box.
- 丢弃旧文件. Sort through your active files at least once a year and toss anything unnecessary. Move paperwork that is inactive but still needs to be kept to the permanent section of your files. 了解更多关于 which financial records you should keep 你可以把哪个扔了.
- 整理剩余的纸质账单. Have a designated area to pay bills and set aside a time weekly to review or mail them.
优先考虑
- 优先处理账单. Review each bill and make sure you set a priority to it. One strategy to help balance your spending and saving is using the 50/30/20规则.
- 不要让邮件堆积起来. It's tempting to throw mail in the "I'll get to it later" pile. 打破这个习惯. Open your mail the day you get it and decide whether it gets filed or tossed.
去无纸化
- 减少纸张使用量. Sign up for paperless billing 无论 you can. Also think about cutting back on the number of credit cards you have and 巩固 财务账目，如果可能的话. Fewer bills means less time spent paying them.
- 使用网上缴费. Online account and banking services let you track activity, 随时支付账单和转账, 无论. Many online banking services let you download your transactions to financial management software.
- 使用自动付款. Setting up your payments to automatically draw from a bank account is an easy way to get organized and reduce paper bills. You can set up a separate email address just for your billing notices to go to as an easy way to keep track.
计算器
在州立农场® 我们有 计算器 to help you throughout your 财务计划ning. Here are a few 计算器 related to this article:
