Transfer your smaller balances to the card with the lowest interest rate. (Got too much debt to consolidate right now? Then work toward that goal.
Reduce the number of bills you have to pay - and better manage debt - by consolidating. You’re done! Isn’t it easy now that you’ve got everything you need in one place? Don’t wait until tomorrow to mail them, or you might forget to do it. Put the entire stack of payments in the mailbox. See each bill through to completion (payment stub filled out, check enclosed, envelope sealed, stamped, and addressed) before moving on to the next one. #STACK OF BILLS TO PAY FULL#
Using your calculator, quickly add up the total due for all of the bills.Ĭheck your balance online to make sure you have enough funds to make the full payment on each bill before you start writing checks. Take out all of the bills from the appropriate accordion folder. On the 10th and the 25th of each month - bill-paying days - roll the cart to your desk, the dining room table, or wherever you’ll write the checks to pay your bills. Check the payment due date and drop in the appropriate accordion file. Store the following bill-paying items in one of the baskets in the cart: roll of stamps address labels or return address stamp and ink pad calculator blank envelopes (in case you lose the one that came with the bill and pens (If the basket is made of metal wire, keep the pens in a plastic baggie so they don’t fall through the bottom). Hang these in order after the two accordion folders. Clearly label each one: “Bills paid, January 2017,” etc.
The 12 regular hanging folders are for storing the bills that you have paid, by month. Hang these two folders in the front of your rolling file cart. Label the first accordion folder, in large, clear type: “Bills to pay on the 10th of month.” Label the second accordion folder: “Bills to pay on the 25th of month.” For this example, we’ll use the 10th and the 25th of each month. Using a thick, red marker, circle the two dates each month that you plan to pay bills. Hang the calendar on the wall, clearly visible above your mail-sorting station. Keep your rolling cart near the place where you bring in your mail every day.
Address labels or address stamp and stamp pad. 2 hanging files that have an accordion bottom and are closed at the ends. They can be purchased at any office supply store. File carts hold hanging files on the top, with room for one or two baskets below. It’s a simple, adaptable routine that you can do on a regular basis to keep the task from becoming overwhelming. Together, we worked out a bill-paying system that has been effective for her. Why did I buy that cotton-candy machine - and where did I put it?”) Luckily, there are ADHD time management strategies that can help you.Įventually, my assurances that solutions could be found gave Tina the courage to open the envelopes and measure the size of her financial plight. (“I can’t bear to see how much I owe on my credit cards. Bills can also be an uncomfortable reminder of the impulsive spending you’d rather forget. We may put off opening the envelope that’s been sitting on the entryway table for weeks because we’re afraid to find late fees charged or an overdue notice. Other people with ADHD “do turtle” - they let the paperwork pile up into ominous stacks of unopened envelopes until the IRS begins sending scary, official-looking letters, and bill collectors are calling daily. As it is, some of us have enough trouble remembering where we put all of our bills. If you’re an adult with attention deficit disorder (ADHD), you can probably relate to Tina’s predicament.īill-paying is a headache-inducing task for many adults with ADHD. Tina was so frightened of what she’d find in months of unattended-to mail that she brought the entire pile into my office.
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