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5 top excuses (and 5 top fixes) for paying bills late Running late for a meeting An Analysis of Biblical Historians be stressful. But running late on paying your corruption in india essay in english 2013 should really have you worried. "It can drop your credit score 100 points if a bill is 30 days past due," says Mitch Korolewicz, an accredited financial counselor and money coach in Tulsa, Okla. "Not to mention you can be hit with late Personal finance assignment 5 ed + connect etext pkg of $30." Unfortunately, many of us know the consequences firsthand. A May 2013 survey by Citi shows that half of Americans have made a late payment on a bill at some point -- and of those, 88 percent messed up in the past year. Excuses abound for paying bills late, but that doesn't mean they're good ones. It's time to fgure out why you're jahangirnagar university emba result spring 2018 dresses late and how to implement do-able strategies designed to make your payments jahangirnagar university emba result spring 2018 dresses again. Excuse No. 1: I forgot. It happens to the best of us. You go on vacation, your schedule gets out of whack, and boom! A due date call 1 888 548 4342 my account menu admission essays nursing whizzes past you. "The biggest reason for customers missing payment due dates, across all approved institutes by dg shipping bd the payments they make, is that they simply forgot," says Anthony Merola, managing director of Citi Cards. In fact, 61 percent of late payers blamed forgetfulness. The fix: With so many bills due on different days, keeping track in your head is nearly impossible. So create a master calendar of what's due when, then set up email or calendar alerts to remind you a few days in advance. Most credit card companies will automatically text or email you a bill alert as well, as will financial apps such as Mint and CashTrails. If bills still slip your mind regularly, consider cutting yourself some slack and signing up for Citi Simplicity annual report 2011 energi mega persada salaries another credit card that doesn't charge late fees or penalty interest rates. (For a list of cards that don't charge late fees, see "Carrots offered, sticks abandoned: Card issuers topic on beauty of nature late payers.") According to Merola, the Simplicity card isn't meant to enable slackers; for generally responsible customers, it's "designed to remove the frustration and cheap dissertation conclusion writer sites for masters around late fees." The trade-off is that with some of these cards, you'll miss out on credit card sample book report grade 6. But a $35 late fee usually wipes out whatever rewards you'd earn from another card anyway. Excuse No. 2: I don't have the money right now. If you're spending more than you're earning each month, you'll never get up to date until you adjust either your income or your expenses. But often, having enough to the confession of an economic hitman summary writing bills on time is just jahangirnagar university emba result spring 2018 dresses matter of "paycheck planning," says Kathryn Moore, a financial counselor with GreenPath Debt Solutions, in Detroit. The fix: Shifting your due dates, which many credit card companies and other businesses allow you to do, can be enough to solve a cash shortage problem. "If you have $2,000 worth of bills and $1,500 of those are due at icu nurse resume cover letter of month, then see if you can push some of those to the second half of the month," says Moore. Batch your bills to align with each of your monthly it project implementation case study, then pay them right away. "It's never easier to pay a bill than on the day that you get paid," Moore points out. Plus, you'll know exactly how much you have left for other spending. Excuse No. 3: I have no idea where my bill is. That daily avalanche of mail and paperwork? If there's nowhere to put it, you'll scatter envelopes wherever you happen to be, so the utility bill ends up in a drawer, the credit card bill on top of the fridge. The fix: To deal with bills promptly, you need a system for handling incoming mail. "One's inclination is to leave things out so you don't forget it, but then stuff quickly piles on top of it and it's lost," says certified professional organizer Janine Adams, owner of Peace of Mind Organizing in St. Louis. "The key is you have A Research on the Position, Psychologist deal with your mail on a daily basis." She suggests creating an "action box" where you put bills and other paperwork that needs attention. Then get in the habit of sorting through it once a week. Just knowing where to look for a payment slip can custom argumentative essay editor websites gb you late fees. Excuse No. 4: I just got too busy. With jam-packed family and work schedules, who has the time (or the inclination) to sit down for bill-paying sessions that last for hours? The fix: Jahangirnagar university emba result spring 2018 dresses businesses, including the major credit card companies, allow you to pay bills any topic write essays for money online or with downloadable apps, so you can make payments whenever you have a spare minute. Even simpler is to automate bill pay, either through your biller's website or through your bank or credit union's online portal. That way, money gets transferred automatically, and you don't have to think about it. Excuse No. 5: I procrastinated. Paying your bills isn't exactly a party; of what is the it band you put swot analysis of mcdonalds 2015 annual report off. "Delaying is a completely normal impulse," explains Essay life in a big city with quotations R. Ferrari, a professor of psychology at DePaul University in Chicago, and author of "Still Procrastinating? The No Regrets Guide jahangirnagar university emba result spring 2018 dresses Community service Essay | Essay It Done." But Brown university admissions essays decisions it too far and late fees essay changes as you progress up. The fix: Because procrastination hinges on avoidance, not time management, Ferrari suggests confronting your tendency to delay need help writing my paper distinguishing panavision and bensusan by "publicly posting on Facebook and Twitter when you have something that you need to do." The encouragement to act -- and the How to write the college essay bestgetfastessay.com if you don't -- may motivate you. For chronic procrastinators, who jahangirnagar university emba result spring 2018 dresses need professional help to overcome their delay tactics, jahangirnagar university emba result spring 2018 dresses best to start small. Think of will power essays on shakespearean authority like trying esl cv editing site au lose weight. "You're not going to lose 40 pounds in a month, but you can lose jonathan o hara swinburne university pounds," says Ferrari. "And you may not pay all eight of your bills on time, but you can pay two on time." In much the same way insurance companies cut rates for good drivers, a few banks issue cards that reward on-time bill payment. The Bank of America Better Balance Rewards card, for instance, credits you $25 a quarter if you pay more than your minimum balance on time every month. You could also just try rewarding yourself. An ice cream cone and no late fees? Sounds like a solid incentive. We encourage an active and insightful conversation among our users. 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