1 Easy Trick to Never Get Late Fees Again!

1 Easy Trick to Organize Your Bills and Never Miss a Payment Again

What is the worst possible fee that you could ever pay? Late fees! It’s a ridiculous amount for nothing. You don’t get a product or service in return. There is no benefit from paying it. Plus, late fees can add up fast. They are bound to make anyone angry. But there is an easy way to avoid them.

Be in Charge of Your Finances

When I worked as an accountant, many clients would come in with statements showing tons of late fees. We’re talking as much as hundreds in extra expenses per year, sometimes thousands. The biggest reason for this was that they had so many bills and were so disorganized that they just forgot to pay. If this is also your problem, I have a solution.

Easy Way to Organize Your Bills

The easy way to avoid late fees is to set up a Bill Organizer Kit. This will help you by keeping you organized, and it will make paying bills the easiest it has ever been. All the worksheets you need for this are free to download at the end of this post.

Make Your Own Bill Organizer Kit in 5 Easy Steps

1. Get a folder with pockets. Any kind of folder will work as long as it has pockets for your papers. I recommend shopping at the cheapest place around, like the Dollar Store or Walmart.

2. List all your bills on the Bill Info Tracker.  Use the Bill Info Tracker Worksheet in the FREE booklet below and list out all your bills, due dates, amounts, whether it is paid online or by check. It even has a spot to write down your passwords for online payments, so everything is in one place.

3. Use the Money Calendar or Bill Scheduler to Plan. Set up a plan for when to pay your bills based on your paycheck schedule.

Write your expected paychecks on the calendar and then list out all the bill amounts and due dates on the calendar too. Then place the calendar somewhere prominent like on your fridge. That way you can see what bills are coming up and make sure you pay them on time.


4. Put your bills, checkbook, envelopes, and stamps in the folder. When a bill comes in the mail, immediately stick in this folder. Then once a week, get the folder out and pay any bills that are coming up and check to make sure you are on track. Keep your checkbook, envelopes, and stamps in the folder too. You want to make it as easy as possible to pay your bills on time.

5. Use the Bill Tracker to mark paid bills. Once you have paid a bill, either online or put it in the mailbox, then check it off for each month. That way if you ever wonder if you actually paid it, you can reference back and see what happened.

Isn’t that easy? Keeping all of those items together in one place will make a huge difference, and scheduling your bills on a calendar will keep you on track. Try to make a habit of going through the folder once a week!

This folder is also a great place to keep your budget worksheets if you already have a budget set up. If you don’t have a budget planned out, get one right away! Budgeting is absolutely necessary for financial freedom. Click here for help to set up a budget.

Never Get Late Fees Again!

The Bill Organizer Kit is now included in my free workbook called The Modern Mom’s Epic Guide to Easy Budgeting. Click below to download for free. If you downloaded the booklet already, you might want to download again to get the Bill Organizer Kit that is now included. The workbook has been updated with several new lessons and worksheets to help your finances.

The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions.



Get Your FREE Copy Today!

Easy budgeting2

The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions. Includes top advice from a professional accountant and university instructor.

We won't send you spam. Unsubscribe at any time. Powered by ConvertKit


  • Reply
    kelly light
    July 17, 2017 at 3:15 am

    I have always done this since I started out on my own! Great advice.

  • Reply
    July 17, 2017 at 1:13 pm

    Thanks for the ideas!

  • Reply
    Casey Garvey
    July 17, 2017 at 1:48 pm

    Love the organizer charts!

  • Reply
    Judy Schechter
    July 17, 2017 at 3:41 pm

    This is a great idea for me, because I am very disorganized! I downloaded your guide, thank you for the information!

  • Reply
    Emma Prive
    July 18, 2017 at 5:59 pm

    So awesome! And free! I so badly need to sit down and do this each month. With 2 kids, work and school I simply forget when things are due, and then here come the late fees.

  • Reply
    July 19, 2017 at 4:43 am

    Is there any way I can avoid late fees while being unemployed? I need ideas to generate income.

  • Reply
    July 19, 2017 at 8:21 am

    Oh this is fantastic!! It’s important to be organized when it comes to your bills. This is a great kit to keep you on point! 🙂

  • Reply
    Jana S
    July 19, 2017 at 10:38 pm

    I really need to create an organizer. such good tips thank you

  • Reply
    July 21, 2017 at 6:34 am

    The calendars and trackers look really helpful!

  • Reply
    Ashmyr Tallyn
    July 21, 2017 at 11:37 am

    AMAZING ADVICE! I love this blog~

  • Reply
    July 21, 2017 at 11:53 pm

    Awesome idea!!

  • Reply
    neil califano
    July 25, 2017 at 9:30 pm

    Pay all your bills at once on the same day every month so you are never late.

  • Reply
    July 31, 2017 at 7:37 am

    Growing up in a home where there was tremendous financial insecurity it always made me a person who saved and denied myself.

  • Reply
    Nicole Watson
    August 3, 2017 at 12:19 am

    Awesome advice

  • Reply
    Jamie Johnson
    August 3, 2017 at 10:43 am

    Thank you for this amazing idea! My husband is incredible when it comes to writing down EVERYTHING! I used to make fun of him, until I got a job, and I kept wondering where all my money was going; besides taxes! With this plan, I’ll never have to worry about my money again! Thanks so much!

  • Reply
    Kathy bergman
    August 4, 2017 at 2:48 pm

    Great ideas and I’ll definitely be using these pro tables and many more

  • Reply
    Kathy bergman
    August 4, 2017 at 2:57 pm

    Yes , great useful ideas and pro tables I will be using. Thanks.

  • Reply
    annette fisher
    August 7, 2017 at 5:41 am

    Amazing advice and easy to do. Thank you.

  • Reply
    Karen Propes
    August 11, 2017 at 10:44 am

    Great tips, thank you. It’s one of those things you never want to show up on your card. Keeping up with due dates is a great tool for a spreadsheet/or organizer

  • Reply
    Hope channell
    August 17, 2017 at 12:39 am

    Thanks for the tips!

  • Reply
    August 23, 2017 at 3:13 pm

    Great tips for getting paper bills in the mail. Good to have these charts.

  • Reply
    Margaret Sarsfield
    August 25, 2017 at 1:04 am

    this bill tracker could save my butt next month. thanks

  • Reply
    S. Snow
    August 25, 2017 at 11:36 am

    Amazing advice!! So ready to put this together! We have plans to set up our new budget up this weekend using all of your awesome, free printables & following your advice. Excited for our future finances, for sure!! This blog has honestly been a Godsend for our family. We could never begin to thank you enough for everything. You are a true blessing to us!!

  • Reply
    Mary Beth Wylie
    August 25, 2017 at 11:49 am

    This is an amazing resource! Thank you! Printing these as I type!

  • Reply
    October 3, 2017 at 11:22 pm

    I cant wait to try this bill organizer! Thank u so much

  • Reply
    October 6, 2017 at 4:22 pm

    I hate late fees!! This makes sooooo much sense!!!

  • Leave a Reply