Manage your auto-pays, and set up paperless if you haven’t already. Because honestly. Who checks snail mail anymore? When you do, what percentage of it goes straight to the recycling bin?
If I had a dollar for every time my bank or internet provider sent me an envelope that said Important, open upon receiving…. I’d be a much wealthier woman. It’s easy for bills to get overlooked when they come in snail mail. So let’s go paperless! Paperless allows you to view your bills in an email, which is something you’re more than likely checking more than once per day.
I’d also assume that you have a few auto-pay accounts set up already, but what about the less obvious ones? Service providers, like doctors, that you don’t see very often probably don’t have an auto-pay system set up. However, most health care professionals offer online portals that will send you electronic notification of any bills that are available to be paid. Check with your health care providers about paperless billing to save you an overdue collections account.
Check your debt to income ratio. How much are you making compared to your monthly expenditures and debts? The mantra here is, "check yourself before you wreck yourself."
Again, it’s easy to let spending get a little out of control when left unregulated. Sometimes just getting a look at the bigger picture is enough motivation to shape up.
Declutter documents. It’s always good to keep original copies of important documents. It may come in handy to scan them and create a digital copy for backup as well.
Take some time to organize, label, and store the documents that you want/need to keep physical copies of. Keep them somewhere safe, somewhere dry, and somewhere the dog can’t get to them.