Keeping Track of Your Incoming Bills

by Nilsa Cleland
(last updated April 29, 2021)

Paying bills can sometimes be a painful experience especially when you realize you forgot to send your payment out on time and now you are getting a penalty tacked onto your balance to boot! Some tips on how to keep track of your incoming bills may help avoid extra stress.

  • Make a list of your bills by their due dates. Keeping a list of bills by their due dates can help make sending bills out on time. The list is easy to keep handy. You can also check off or line out the bills you have already sent out to make it easier to know what bills have been paid.
  • Make a spreadsheet according to when you receive your paychecks. Arrange all your bills by the due date list you have already created. Place your paycheck amount at the top of your list. This will give you a clear picture of how much money you have for your bills during each pay period. You may find you are able to pay more than the minimum for some of your bills allowing you to pay your balances off quicker. Ensure you give yourself enough time to either mail or make online payments as to avoid late payment penalties. Once the bill is paid, log the payment date in your spreadsheet.
  • Place reminders at least one week in advance in your calendar. Should your payment process with certain creditors take longer, allow more time for scheduling your payments. Keeping incoming bill reminders in your calendar helps keep you on track with your bills. Many times, arrangements for payment withdrawal from your checking account, savings account, or credit card can be coordinated with your creditor.
  • Not everyone wants to keep a due date folder therefore a tip for keeping track of incoming bills is to place the incoming bills in order by due date in your bill holder by your computer, desk, or kitchen table drawer. Keep the bill that is to next in line to be paid on the top of your bill stack for easy bill payment access.
  • If your style is to have a folder with the days of the month to make it quicker for you to organize your incoming bills, an accordion bill holder is a great organizer for placing incoming bills by date. As you receive your incoming bills, place the bills in the date that is at least 7 days prior to the payment due date if you plan to pay your bill by snail mail. If you pay online, typically less time is required. Remember to record the date and the amount you paid per bill.

Keeping a good handle on managing your incoming bills can avoid embarrassing letters or phone calls from creditors wondering bill payments when in reality a simple mistake was made by not remembering a bill was due.

Author Bio

Nilsa Cleland

Nilsa is currently working on her first novel. She is author of numerous newspaper and magazine articles, and poems of which one has been published in a book of poetry. She and her husband reside in the foothills of one of Colorado's most beautiful mountains. ...


Organizing Your Remote Controls

Let's face it—if you have electronics in the home, then remote controls are a simple fact of life. Instead of ...

Discover More

Keeping Your Glove Box Organized

Maintaining an organized glove box can avoid nerves from being frazzled during emergencies. The ability to reach into ...

Discover More

Organizing Your Car

Whether you spend days working from your car or use your car occasionally to run errands, an organized car is necessary. ...

Discover More

Cordless, Compact, and Powerful! DeWalt's 18-volt drill-driver kit packs a big punch in a small package, with a powerful high-performance motor tucked away inside a compact design. A great addition to the tool chest of any professional or DIYer! Check out DeWalt 18-Volt Drill/Driver Kit today!

More Organizing Tips

Filing Storage

To say that filing storage is a vast subject would be a bit of an understatement. Considering how most filing has been ...

Discover More

Organizing Tax Records

For a variety of reasons, tax time is one of the most stressful times of the year. Instead of waiting till the last ...

Discover More

Organizing Paper Files

Just about every piece of information that we need most in our lives is often contained on paper somewhere. Instead of ...

Discover More

FREE SERVICE: Receive an e-mail several times each week with a featured organizational tip. Enter your address and click "Subscribe."


If you would like to add an image to your comment (not an avatar, but an image to help in making the point of your comment), include the characters [{fig}] in your comment text. You’ll be prompted to upload your image when you submit the comment. Maximum image size is 6Mpixels. Images larger than 600px wide or 1000px tall will be reduced. Up to three images may be included in a comment. All images are subject to review. Commenting privileges may be curtailed if inappropriate images are posted.

What is five more than 7?

There are currently no comments for this tip. (Be the first to leave your comment—just use the simple form above!)


FREE SERVICE: Receive an e-mail several times each week with a featured organizational tip. Enter your address and click "Subscribe."

(Your e-mail address is not shared with anyone, ever.)