Before I had kids, I never had a single late payment....on anything. I easily balanced bills, credit card statements, and the mortgage without forgetting a single due date. I was pretty proud of myself and thought that I was rather impressive in my financial abilities.
Then I had two kids in two years, basically stopped sleeping, and eventually realized maybe I wasn't so special after all. There are more bills now, since there are more people in my family. There are fewer hours in my day that I can think about things in an uninterrupted manner. And, there are more little hands to displace important papers when they are placed anywhere other than in our filing system. I don't habitually have late payment notices sitting in my mailbox, but I would be lying if I told you it had only happened once since my kids came along.
There's nothing quite as terrible as the sinking feeling you get when you realize that a bill went unpaid and you now face a late charge. Bills are not fun to pay in the first place - so the realization that you just cost yourself more money is pretty tough.
I'm 100% ready to declare late fees a thing of the past and achieve financial peace of mind. For our family, financial peace will mean paying off medical bills and debts, improving our budget, and having a solid plan for the future. We're determined to stay on track through the upcoming holiday season - which is when buying tends to get out of hand for a lot of families.
These are some tips I'm implementing in my own life to say goodbye to late fees forever...will you join me in applying some of these ideas to help improve your financial well-being?
- Set Up Reminders (in more than one place). There's one particular bill that I have forgotten more than once - it is due at a different time of the month than anything else on my list. I've set a Google Calendar reminder for a couple days before the due date, and an alarm on my phone the day the bill is due. That way, I'm getting reminders from more than one place and I'll be way more likely to remember it is due!
- Set Up Auto Pay. Whenever possible, I'm making all of my payments automatic each month! This takes the worry of forgetting to pay off my mind almost entirely.
- Pick Two Specific Days Each Month to Pay Bills. Sit down with your stack of paper statements, email reminders, spreadsheet, or whatever method you use to keep track of upcoming expenses twice a month and make sure to take care of anything that will be due before your next scheduled bill self-evaluation.
To encourage consumers to stay on track with their finances this holiday season, Capital One 360 is decking the halls with deals you can bank on, including new account bonuses, referral bonuses and closing cost credits. I've been a Capital One user for several years and have always been pleased with their services! All of Capital One 360's products are designed to save consumers time and money. They are always available - either online or via an excellent mobile app.
Capital One 360 is getting the holiday season off to a great start with lots of deals and incentives this weekend! Check out the Black Friday sales below:
|ShareBuilder||Up to $1,250 bonus (tiered offer)|| |
|Home Loans||$1,250 off closing costs|| |
|360 Checking||$100 bonus|| |
|360 Savings||$100 bonus|| |
|Refer a Friend||$40 bonus per successful referral|
I especially love the free $100 bonuses just for opening an account - if you open a checking account and a savings account, that's $200 FOR FREE! That could definitely help maintain financial peace when Christmas shopping - am I right?
What steps are you taking to achieve financial peace now and in 2015?
I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.