There is a systematic way of dispersing the monthly bills to make it appear, and feel, as though you are paying less than you truly are. Even though none of us can reduce the amount due on our bills, we can make the bills seem smaller and less mountainous by trying a new system of bill paying. We usually wait all month and about one week before each bill is due we write out a check for the full amount owed. This is the normal way to pay but paying this way displays the grim fact of how expensive everything is.

With a simple adjustment to your bill payment planning you can trick yourself into thinking that you owe less, and make it four times easier to pay each bill. I want everyone to get a notebook and a pen; gather all of your monthly bills and write them down in order (the first one due down to the last). With the amount that is owed- round the amount Up to the nearest dollar. (For example: If you owe $79.41 to the phone company you would write- “Phone Bill- Due 8-24-08- Amount Due= $80)

This is the fun part. Take each amount that you owe and divide it by the number four! Four weeks in one month. This way you stop looking at the whole sum that you owe each month, and break it down to the much smaller amount that you owe each week, for each bill. You can add into this equation your monthly food expenses, your yearly property and car tax, your car inspection and license, the gas bill, ECT; if you owe $575.00 for your yearly property taxes then consider that you would only need to put back $10.80 a week to pay off this bill at year’s end.

Once you get in the habit of pre-paying into weekly depository envelopes the process of paying bills will lighten up. You will be amazed at the amount of money that you will have left over to save. As you divide your harping responsibilities into more capable chunks then the worst is over. Be sure to make-up your yearly expenses into individual envelope categories. Ex: Property Tax; Monthly Mortgage; Monthly Groceries; Spending Cash, ECT. Use the monthly recurring bill-envelopes each month, all year, be sure to make boxes for each week of the year and separate the months. This way you can easily check off each weekly box as you fill them with the payment and at the end of four weeks you pay your monthly recurring bills. You can lead an easier life, easily!