How to Manage My Bills From Your Own Phone
Most people never realize that they could have a way to manage my bills if they did some very simple things. If you want to find out how to do it, go ahead and continue reading.
One of the easiest ways to make this happen is to look up all your credit card bills, and if you have any money left over that you have paid in full, you can put that toward paying down the debt. All you have to do is deduct the total amount from the end of your credit card bill each month.
If you only have one card and you make monthly payments, you may not have to do this if you only make one payment each month. If you make multiple payments, you may need to do this every time you get a bill.
When you are making one payment per month, you may be able to pay off your debt quicker if you use this strategy. This is why it is a good idea to find out what your credit score is.
Credit card companies are going to check your report before approving your credit line. They will see if you are responsible with your finances, and they will lower your credit score if you make too many late payments or missed payments.
So you want to find out what your current balance is, and pay off your debt as fast as possible. Once you have more money than you can handle, the next step is to use that money to pay off the minimum payment for each card.
Once you do this, you will have enough left over to pay off the minimum payment on your debt. Your next priority will be to pay off the balance on all the cards, and this can be done with an extra payment each month.
When you only have one debt, this may be easier than paying off all the cards. In the end, you will probably pay off all the debts, but it is good to know that it will take some time.
With your first debt, you will have less pressure, but the pay off process will be faster if you have a mortgage loan. Make sure you keep track of how much you owe on the mortgage and add it up.
Then you can pay off the minimum monthly payment on your mortgage loan and then just continue to add the difference to the mortgage payment each month. You may need to adjust the interest rate on your mortgage a bit in order to achieve this, but it is doable.
You can do all of this through a great service called Mint.com. It will help you find out your debt, and the amount that you have to pay each month, and will show you how to manage my bills spreadsheet, and even track your spending so you know where your money is going. PLEASE READ : makeup inventory spreadsheet
