How to Organize Bills IntroCredit: Southerngirl09

How to Organize Bills and Pay Them on Time Each Month

This article will show you how to organize bills, pay them on time each month, and avoid a late payment fee charge because you did not pay a bill on time. Unless you use automatic bill pay on all of your accounts, you will need to track mortgage payments, utilities, credit card charges, etc. The sheet described below is my bill organizer, and this article will explain how to organize bills for tracking monthly expenses. Keep this sheet in your checkbook, update it when you received monthly statements, and post on it payments you make for mortgage, credit cards, insurance premiums, etc. Follow the steps below explaining how to organize bills, and pay them on time each month. 

Let’s explore the steps involved in how to organize bills, pay them on time each month, and the things you will need to get the job done.


Paper and pen



Determination to not pay late payment fee charges


How to Organize Bills Step 1:

Go through last year’s checkbook, and make a list of all of your repeat payments. For instance – ‘mortgage,’ date due, amount, and your method for how you pay it:  online, check, credit card, etc. ‘Electric,’ date due, amount varies, and your method for how you pay it. Do this for the whole year. Don’t forget to list down those quarterly, semi-annual, and yearly expenses, as well.

How to Organize Bills Step 2:

Analyze your list, and rework it so that all of your payments are listed chronologically. Some due dates can fluctuate by 2 – 3 days each month. Always set your due date at the earliest possible date. You want to pay statements on time each month, and not be late with a payment.

How to Organize Bills Computer Made WorksheetCredit: Southerngirl09

How to Organize Bills Step 3:  

Using the computer, make up a table to list these items on, and size this table using these approximate measurements: 

1st  column - 1 ¾ inch  - ‘Company Name’

2nd column  - ¾ inch – ‘Pay’ (Method you use to pay the particular bill - online, check, credit card, etc.)

3rd – 14th columns - 5/8 inch –  List the months:  ‘Jan. – Dec.’

Save this table, make any changes necessary to it each year, and just reprint.

Completed Organizer for How to Organize BillsCredit: Southerngirl09

How to Organize Bills Step 4:              

Post your list, created in Step 2, to your computer table, created in Step 3. On the example table shown, the quarterly, semi-annual, and yearly payments are listed near the bottom. The ones shown on the very bottom are the ones that are billed directly to a credit card. For this example, everything was put on one page, but more than one page can be used, depending on your list of payments.     


Worksheet Shows Statements Posted in How to Organize BillsCredit: Southerngirl09

How to Organize Bills Step 5:               

Receive statements online or in the mail; open them, and post them directly to the table. Make any adjustment necessary to the due date, and under the date, post the amount of the bill. Because of the setup of the table, you will know what expenses are due each month, and you will notice if a statement has not been received.

How to Organize Bills Step 6:                        

Notice how easy it is to look at what is due each month and the date it is due. Being able to see at-a-glance a projection of your expenses for the year is helpful in planning and paying expenses.

Highlighted Worksheet for How to Organize BillsCredit: Southerngirl09

How to Organize Bills Step 7:               

After making a payment, either online or by writing a check, use a highlighter to mark it paid. All other outstanding expenses will be noticeable because they have not been highlighted. But since the expenses are listed chronologically, they will just fall in order to be paid.


In Closing

Keep this table tucked inside your checkbook; make a practice of posting each statement as it arrives, and each payment as it is paid.

It’s a lot of work to set up this table for the first time, but it is well worth it. As changes occur in your finances, make the changes to the table. Small changes can usually be adjusted on the sheet. For major changes, just revise on the computer and reprint.

If the information in this article on how to organize bills was helpful, then please check out my other articles.