We have all been in situations where we have found it stressful to pay our bills. Whether the problem stems from money shortages, or from problems staying organized and on top of our due dates, many people find themselves feeling stress and anxiety over their bills. Calls from bill collectors, late fees and penalties can all bring a great deal of anxiety in anyone who is having trouble staying on top of their bills. The best way to deal with your bills is to create a bill playing system that will simplify your household finances and relieve you of the stress and anxiety you have about bills. Here are a few steps that you can take to reduce unnecessary stress about paying bills.
Get Organized and Create a Bill Paying System
We all forget to pay bills now and then, which can lead to anxiety and stress as we receive calls from bill collectors and watch our interest rates, late fees and penalties soar. To get organized there are a few simple steps that you can take. Keep all of your bills in one place, in the area of your home or office that is dedicated to handling your household business. Then, create two baskets, one for bills pending and one for bills paid. As soon as a bill arrives in your home, bring it directly to your bill area and file the bill accordingly. Once a bill is paid, place it in the paid bills basket until the next month’s bill comes in.
Consolidate Your Bills and Lower Your Expenses Through Buying Direct
Direct marketing companies offer access to a variety of products and services that you can get at discount rates. Through some companies, like ACN, you can consolidate your bills for basic services like:
– Cellular phone plans
– Digital telephone services
– Energy Services like natural gas, electricity and solar energy – Television plans
– High speed Internet plans
– Home security systems with home automation options
Some people may be wary that this is an ACN Pyramid Scheme, when in reality it’s a company that offers the services you need for a more realistic price. By consolidating all of these services onto a single bill, you can save yourself a considerable amount of money. Consolidation also simplifies your household finances, reducing the number of unpaid bills that you have in your unpaid bills basket.
Increase Your Income With Earnings From Residual Sales
One of the ways that people can take control of their bills is to earn more money. However, if your second (or third) job leaves you unable to manage your life, you will need to find a way to increase your income that does not require a great deal of time and effort. Direct sales represents a unique earning opportunity for people who are looking to make extra money. This is because direct sales result in residual income, which are earnings that accrue every month as your clients pay their bill. When you sell services like cellular phone service, energy plans, TV plans and home security systems, you can collect residual income each month when your clients pay their bill. And when you are selling valuable and much needed services, you will not have to dedicate much time to your direct sales. Your clients will literally come looking for you.
There are many ways to deal with the stress of paying bills that does not require you to get an extra job or hire financial professionals to intervene on your behalf. Often, when you make just one simple change, it will be enough to alleviate the stress and anxiety that often surrounds paying bills by simplifying the process. Creating an organized bill paying system, consolidating your bills, lowering your expenses and earning additional residual income can all contribute to making your bills stress free. Any steps that you can take to simplify your household finances, reduce costs and increase income will certainly help reduce the anxiety that you have about managing your household finances.