Paying Bills: Overwhelmed When It Comes Time to Pay the Bills?

Have you lost money because you don’t pay your bills on time? Did you know that not paying your bills can negatively affect your credit score?


We all have bills to pay and if you are disorganized you can lose money and much more. Learn tips to declutter and organize your bills as we continue focusing on the home office.


Don’t forget to check out the second part of my blog on April 12th where I’ll give more tips on organizing and decluttering your bills.


From a 2015 article on Nerd Wallet: The average household is paying a total of $6,658 in interest per year. Roughly 1 in 4 U.S. adults don’t always pay their bills on time, according to the NFCC’s 2015 Financial Literacy Survey, sponsored by NerdWallet. They also found that among U.S. adults ages 18 to 34, just over half are paying their bills on time and have no accounts in collection.

Payment history is the most important factor of your credit score, and having 100% on-time payments puts you in the best position to have a healthy credit score.


I’m going to encourage you to spend time organizing, decluttering and setting up a system for your bills. Especially if your finances aren’t in great shape. Burying your head in the sand won’t improve your financial health. Be proactive and get going on improving your financial health. And for those of you who say you don’t have time, how much time did you spend this week on social media or watching TV. I’m asking you to really challenge yourself here.



Because I am a small business owner, I need to keep track of my expenses, including items such as heat and electricity because I work from home.


My system for saving receipts is two-fold. Again, I try to simplify as much as I can. If I have a paper receipt, I have a folder for the year. I have a big envelope where I keep all of my paper receipts. I also have a file folder that says 2021. If the receipt is to be used for taxes, it goes into the file.

In my email account, I have a purchases folder as well as a tax folder with the year. If a purchase is tax-deductible, I move it to the tax folder after I have checked it against my credit card statement.


Create a system to deal with your receipts. As you just heard, mine is very easy. I like it because it is so easy, I will maintain it. It doesn’t matter how you set it up, but it needs to work for you and your lifestyle and something that you will maintain. If you create a system for your receipts but never use it, it will not work.


How do you organize your receipts? Have you lost money because you couldn’t find receipts for tax purposes or to get reimbursed? What steps do you need to take to get organized in your receipts?

DIY Options to Clear Clutter

Purchase Julie’s books on how to clear clutter from your life:

Subscribe to Clear Your Clutter Inside & Out Podcast

Check out more of my decluttering tips and how to get organized on my YouTube channel.