{organizing}: bills, budgets, and a binder!

So I've been working on a project for the last couple of weeks and I wanted to share.   My new love is Pintrest and I'm happy to say that I feel like I spend as much time working on projects that are inspired by Pintrest as much as I spend time on Pintrest...so its ok, right?  I might be a little bit addicted...Anyway, a recent blog I got to from there had ideas for a pantry revamp, including a family binder revamp.  AMAZING!!  I have yet to revamp the pantry (it's in the works), but I loved some of the ideas for the family binder so I took some of what she suggested and made up a lot of my own...and it became this!!  My new Bills Binder:
 Something that she suggested was the dividers with pockets-super brilliant idea!!  I used to put my bills in a bin and sort through them twice a month or so.  Jon has never been involved in the bill paying and it's something I've wanted him to be involved in for a long time.  With this system, paying the bills could be done by Paisley!!  I made a tab for each bill that we have with a cover sheet with the logo and following information and due date.  This way ANYONE (which is a little scary) could log into any of our accounts for any of our bills and pay them.  This way when I forget which password is which, or I have customer service on the phone I can readily reference all my information quickly!  I also plan on keeping all the bill stubs for the year behind the tab for records and comparison (normally they go into an accordian file, but I hate filing them so sometimes it just ends up being an endless pile!!)  So ideally* the bill comes in the mail or e-mail, I place it in the tab folder, I sit down to pay bills once a week (or Jon or Paisley, lol) and I have EVERYTHING I could possibly need to sit down and pay everything.  I mark whats paid, place it behind the tab and continue on with my life!!
Another thing that I've wanted is a clean cut "which bills are due when."  I hate having all of that on my normal day to day calendar (it's full) and if the two of us are going to be paying bills I really wanted a visual to show when, who and what has been paid.  I actually have an app on my phone and so does Jon that was supposed to help with this, but so far I really just like having things on paper.  So I put together this worksheet.  This way if something gets paid, or doesn't we have a quick reference at the beginning of the binder.  I added EVERY bill that is a possiblility-some we don't actually always have to pay (like my Victoria's Secret card), but this way if I do have a balance I have a note to check and pay it on time. 

And lastly, the Budget worksheet.  This layout is stolen from "One for the Money," but I split it into 2 groups because we get paid twice a month.  This way I have a general idea how much spending money I have versus bill amounts in the 2 pay periods.  I'm debating on using the cash method for this...we tried it for a minute-it's just super hard because I hate going to the bank!!  (we don't have a drive thru on our side of town and I'm SUPER lazy).  Ideally too I can watch these and add in the actual as we go to see how we're really doing.  Once again, I have an awesome website that make pie charts and everything (mint.com) BUT it updates too slowly and I have to go categorize EVERYTHING that we spend if we want it to work properly.  ug.  So I'm hoping with this revamp that Jon and I can be on the same page, and that we can be more organized and aware when it comes to bills and budgeting!!
I share because I hope this works!!  Jon and I have struggled our entire marriage with bills, budgeting and staying organized and I hope so much that this helps us get on the same page!!  I really want him to be involved-to help relieve some stress and so he can see more clearly where his hard earned money is going!!  What things have worked for you in your budgeting???


  1. SOunds like you've got a real system. I hope it works- keep us posted. And Shane and I do the bills together. We both know what and when the bills are due and pay them together. Seems alright, I like your tips though, might have to come and learn a new system from ya later. ;)

  2. I pay all the bills in my house, and I think I might totally steal some of your ideas! My filing system is currently burried under who knows what in the spare closet, so everything has just been piling up for the last six months. Definitely going to go the binder route. You're a genius!

  3. we don't budget. again, you have inspired me...thanks for sharing!


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