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Creating an organized Bill Pay Binder


How do you keep your bills organized and paid on time? For years, I would just pay them as I would get them in the mail. Which would mean that I drug out my checkbook every few days. This worked just fine, but I felt like I was constantly paying bills, which isn’t my favorite chore.

In the last couple years, I have created a bill pay binder that has worked really well for me, so I am going to share a few of my tips with you.

First, you need a binder, I use a simple white 1 inch binder. Next, I added a pencil bag to hold all the “tools” that I need for paying bills.


I have a hole punch, calculator, pencils, pens, and a Sharpie in my pouch.


I printed out a calendar for each month over at THIS site. I went through and added all recurring events on the calendar with the dates that I already knew. Things like payday, car payment, we have rental properties and I keep track of when those payments are due on this calendar as well.

When I receive a bill in the mail, I add the due date on this calendar right away.


I have three sections on my binder. One section for bills I pay on the 15th and one for the 30th. When I receive a bill in the mail, I mark the due date on my calendar, punch holes in the bill and file it in the correct area.

I also have a section to file bills from the previous month. I find this very handy because if I have a question on a bill or what I had paid the previous month, I still have them handy.


In the front inside pocket of the binder is where I keep my address labels and envelopes.


I use different colors of markers for my bill calendar. I found a great way to hold all of my pens and colored markers in this really cute Thirty-one Fold and Go bag.


I am a paper and pen person. I like to keep track of bills, lists, etc. on paper instead of on the computer. This bill pay system has been working really well for me and I feel much more organized. I spend less time paying bills and don’t have to go digging for everything when it’s time to sit down and write out checks. I hope you can use a few of my tips or even create your own binder!


If you have any suggestions on how to improve this or just comments on your own ideas, I would love to hear them!

budget Christmas crafty creative ideas frugal living gifts giving on a budget holiday inspiration

A Giving Christmas: A Mission To Give Big On A Budget (Sharing Ideas to Help You Give More)

This year I want to give and give in a BIG way! I have had so many blessings this year that were not monetary and it made me want to do the same for others. So many need something right now! Maybe it is an essential like food or clothing. Maybe it is someone who deserves and needs a kind gesture through an action or handmade gift.

Like most of you, we do not have a lot of extra money to buy gifts. We save up each year to have just enough for the kids and close family. How can we give big when we have a little budget? There has to be a way! I know we can! That inspired this giving on a budget series: A Giving Christmas: A Mission To Give Big On A Budget.

Gifts on Budget

So please join this mission! What is your idea to give this year? The possibilities are endless! Here are some gift ideas from my favorite sites that may help jump start your creativity!


Create a tea time treat for a teacher using a dollar store, clearance. or extra coffee mug.

The Gunny Sack
DIY Yarn Bowl from The Gunny Sack
DIY Chocolate Body Scrub
DIY Chocolate Body Scrub

Chocolate Body Scrub made with items from your kitchen.
















DIY Button Bracelet (Check local for thrift stores for buttons)

Share Ways To Give on a Budget

I want to know your ideas. There are several ways to share:

  • Please leave a comment with your ideas.
  • Please leave a comment with a link to your favorite idea/ blog post.
  • Share this post to share the ideas!

Each week I will pick some ideas to feature! Maybe it will be your idea!

I am so excited about this mission! I know together we can come up with many ways to give  BIG on a budget. You will  discover ways to show others you care with very little or no out of pocket cash!

Let’s do this! Let’s join together and make this year a great year for all! Imagine the people that will be touched if we all are a Secret Santa for one person!

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