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3 Simple Steps to Never Missing a Bill Again


3 Simple Steps to Never Missing a Bill Again

Do you ever find yourself struggling to make sure all your bills will get paid this month? What about making sure that you have enough money in your checking account for bills and for spending? This is something that I quickly realized had to change after we moved in together and got our own place.

Growing up, I never had to pay a bill. I paid for my car and my gas as a teenager, but that’s it. All my money was for me. So there I was, a newlywed wife. I was on the other side of the country from my family and it was our first time living together. Being in charge of finances, it was daunting.

I quickly figured out a way to make sure that all of our bills would get paid, in full, every single month without ever having to worry about them again! And we haven’t in four years now! This simple solution that I am about to show you is going to make you ask yourself, “why didn’t I think of this before?”

1. Figure out how much your bills are each month

Different types of bills could be rent, electric, gas, water, car payments, internet, phone, food, insurance, garbage, etc.

Don’t forget to add in monthly subscriptions and minimum payments for debts (credit card, student loans, medical bills)

Once everything you spend money on is totaled up, divide it by the number of times you get paid each month. For most of you, you’ll divide by two.

That halved number is what you should take out of each paycheck before spending a dime.


For example:

Your total amount of bills costs $2,300 every month. You get paid twice a month, each paycheck is $2,000.

$2,300 divided by 2 is $1,150.

That means the second you get that $2,000 check, you take out $1,150 and have the remaining $850 left for spending during that pay period.

2. Open a separate checking account

Open up a separate checking account with your bank that you can deposit the bill money into. Just transfer it over and do not touch it. Immediately transferring over the money does not give you a chance to spend it.

Better yet, decline the option to get a debit card for this account. Train your mind to realize that this account is untouchable. None of this money can be spent on anything but bills.

That $1,150 you took out would go into this account and the $850 would remain in your normal checking account.

3. Set up auto-deduct

By setting up auto-deduct for your bills, you will never have to even worry if you miss a due date or not! You do have to keep track of the ones that don’t auto-deduct, but most companies prefer you going paperless.

Besides, by signing up for auto-deduct, many companies will give you a discounted rate on your bill each month! Save money and stress by doing it this way.


Stress is something I try to minimize in my life as much as possible! What are the strategies you use to help to pay your bills on time?


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