Starting the New Year Off Right with Bill Organization!

I hate paying bills, as I’m sure almost everyone does, but I have a couple of ways that make it easier. I set a day each week to sit down and pay the bills that are due or to schedule upcoming bills. I also like to keep them organized with a simple printout. I can check them off and then highlight them as I see them come through on my bank account. This helps me to stay on top of the bills, avoid late fees, and not have any overdrawn accounts.

You can check out some of our other FREE printables here:

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Getting Ready for the Holidays Week 12 (The Week After Christmas)

We pray that your family had a wonderfully blessed Christmas holiday and that things are going well as you start the New Year. Here are some of the things we will be focused on this week:

Continue reading “Getting Ready for the Holidays Week 12 (The Week After Christmas)”

Simplify Your Life: Step 7 Pay Off Those Debts and Bills

Pay Off Those Debts and Bills

Money is a big cause of stress in many people’s lives. So it would only make sense that getting rid of debts and bills can help us to simplify our lives and reduce stress. Credit cards and online shopping make it is so easy to buy things and accumulate debt without realizing it. We see something we want and we buy it and then we regret it when the bill comes in.

If we can learn to live a bit more frugally then we can learn to buy less, want less, be more eco friendly, simplify our budgets, and reach our financial goals of being debt free. We can’t do a lot about what has already been done but we can work towards simplify our lives to prevent the stress from these debts and bills.

One way we can do this is by setting up automatic deposits and payments. You can have your paychecks automatically deposited and you can also set your bills on auto pay. By doing this you can get those bills paid while preventing late payments. If you want to save a little bit more then you can even go paperless which will help to cut down on paper clutter and mail.  All of this adds up to less stress and a simpler life as there are fewer things to worry about.

I have found that I can not only simplify some of my shopping but save time and money while helping the planet by using subscription services and the convenience of online ordering for some things like cleaning supplies, household supplies, groceries, essential oils, and other items. My favorite place to use are:

  • Google Express  Get $10 off your first Google Express order and have one less errand to run! Use promo code: 5EK6F7555
  • Grove Collaborators Waiting for you is a FREE Mrs. Meyer’s 5-piece set
  • Sam’s Club   Join using my referral link and you get a $20 e-gift card.
  • Simply Earth Use this link for a FREE $20.00 gift card right now.

Now if you have already overspent and just don’t have the money to cover the bills then that is another story. That can lead to a lot of stress. You can set a budget and work on learning to only buy what you need. You may also want to look into ways to bring a little extra income. Many of these places I listed above also offer affiliate or referral bonuses which can help out too.

I really like the simplicity of the Wealthy Affiliate program. It not only teaches you the ins and outs of affiliate marketing but helps you to set up your own website. With the company’s ‘pay it forward’ attitude there is a constant supply of support from other members who have been right where you are right now. Go ahead, check it out, and sign up for your FREE account right now.

Congratulations!

This was the last step of my Simplify your life series. I hope you found some of the information useful. If you implement these easy steps into your life you will find you have more FREE time for quality moments with your friends and family. Good luck!

Have you thought of starting your own blog to make a little extra money? Check out 3 Steps to Start that Blog You’ve Been Dreaming Of for some great ideas to get started.

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Simplify Your Life: Step 5 Get Organized

**This post may contain affiliate links which help to support our blog and our family.

This post is part of a multi-section post in honor of National Simplify Your Life week which is the first week of August. The original post wasn’t as short and simple as I had wanted it to be so I decided to break it down into a few shorter posts.

Step 5 Get Organized

Whoa! I know this one may be not be easy for some but you can do it! I know you can. Did you that the average person spends about 12 days every year looking for things? I think a Momma spends twice that amount. That’s at least 30-45 minutes a day wasted because you aren’t organized!

Imagine how much money you could save if you had a system for organizing your bills and getting them paid on time! This tip goes along with Step #6 and should come after you have completed Step #4.

Please don’t try to organize until you’ve declutter because it may get too overwhelming. I recently decluttered and organized our whole house and let me tell you that it has made a HUGE difference in our lives! Everyone can find anything at any time and everything has a place.

Getting organized can include things like setting reminders for birthdays, appointments, paying bills, or important events. We have reminders set for just about everything else like library due dates, semi annual bills, some chores, etc. I even have reminders for the due dates for our club’s newsletters and updates.

The easiest tool I have found to keep me organized is my Cozi calendar. I have it on my laptop, my phone, and my tablet. I have also installed it on Mr. Awesome’s phone and my ex husband has access to our calendar as well. That way everyone knows when we have upcoming appointments and events. Cozi even sends out email reminders!

This makes my life so much simpler as I don’t have to worry about forgetting important things, as long as I have remembered to enter them into the calendar. I also use Cozi for my meal planning so I if I forget my grocery list, or if I forget to make one, I can quickly check my phone for what I need to get. Cozi also has so many other great (FREE) resources to help you organize and simplify your life.

If you don’t have a smart phone or don’t want to install another app you can still use most phones to set reminders. You can also use paper and pencil, post its, or find a nice planner to help you organized. I used to carry a small one around in my purse but now I just use my phone which can be aggravating if the service isn’t great.

For keeping our homeschool schedules straight I like to use Homeschool Manager which I believe is coming out with a mobile app. This has helped so much with keeping track of what needs to be done and what has been done. Not too mention the fact that we can instantly print our attendance reports and report cards which is great. So simple and easy!

These ideas may seem like I am contradicting Step #2 but I think that technology is a great thing if used correctly.

In addition to these ideas you may want to work on setting up systems/routines for handling the following:

  • mail/paperwork
  • housework
  • filing
  • bill paying

Keep your systems simple and work on them to make them easy and efficient. Being organized can keep you from forgetting things and save you so much time and money! This can help to reduce your stress and simplify your life. The next step will have more about routines. 

Need ideas to get started? Check out these books here and here. You can also get my FREE printable bill organization spreadsheet by clicking on the link provided.

You can also check out Make Over Your Year for more ideas.

Be sure to check out the other post in this series for more simple ways to simplify your life.

Click for Step 6.

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Paying Off All Of My Debt With The Snowball Method

As I mentioned in an earlier post I finally got all of my hospital and doctor bills paid off. I am still working on getting my emergency fund built back up and then I’ll be working on paying off my other debts like credit cards. I plan to use Dave Ramsey’s snowball method to get them paid off.

I’ve made me a list of all of my debts and how much I owe. I’ve put them in order from the smallest to the largest as well. Then I will work on paying off the smallest while making minimum payments on the rest. As I knock them out, one by one, I will put that money towards the next one on the list.

I’ve used a similar method before and it worked very well. I am still paying off bills that I accumulated during and after my divorce.

Please note that this post does contain affiliate links which help support our blog.