Why You Can’t Pay Your Bills On Time – Some Tips on How You Can

Every one wants to get their finances in order. A great place to start is paying your bills on time. This is also a great way to build and increase your credit score. Here are a few tips to help you take charge of your finances and pay your bills on time.

 

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Set Calendar Reminders

Don’t be a dumb person with a smart-phone. Even the most basic cell phones have a calendar app. You can even set a repeat reminder. Make a monthly for each bill.  

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Choose Your Own Due Date 

This is an easy way to take control of your own finances.

Many people don’t realize it only takes a phone call to change the date of most payments. Do you g4et paid bi-weekly, the first and the fifteenth? Why not set the due date for your bills on two days that are most convenient for you?

Set up an Auto Pay

Again, one phone call can mean one less thing to keep track of once you set the payment to be automatically taken out each month. After auto-pay has been in effect a few months or years it’s easy to forget that it will come out– set a phone reminder to make sure you have funds in the accounts the bill will be taken from.

Pre-Pay

This is another option for the extra-responsible persom. As mentioned in my recent blog post What to do with your Tax Return paying off your bill a few months in advanced can be a great way to help you avoid thinking about a bill each month.

What to do with your Tax Return

The W2′s have been printed! Most returns are on their way if not received already. Rather than blow your refund on a shopping spree or trip to D.R. here are some ideas that will benefit you throughout the year.

Open a Savings Account or Other Long Term investment

Your local credit union more than likely offers a better interest rate than a popular bank such as TD. Open a savings account and put in a percentage of your return. Then LEAVE IT until the following year (at least). Depending on how much you put in, you may be surprised at the amount of interest earned. This money can also be used as a rainy day fund.

Pay off a bill for the year

A great way to build credit is to set up an automatic payment for one of your bills. Call the companies that you pay each month and inquire about whether they offer bank accounts. Often there’s a benefit to setting up an auto-pay account with the company you owe.

For example, my auto loan is automatically pulled from an account with the same company that financed my car. Each year I put the amount needed to pay the bill for the next 12 months. In return the company gives me a lower interest rate for my car payment. They also report to the credit bureau that I pay my bill on time each month- which increases my credit score.

Online accounts are a little harder to access (which can be a great thing!) but they often come with great perks such as ATM reimbursements.

Pay off Debt

I personally hate to owe money. Usually the more money you owe, the more you are charged. Before spending a lump sum of money on clothes or shoes, pay back money owed – It will save you money in the future.

For example if you carry $1100.00 on a credit card that charges you 25.40% interest each. Your amount due may only be $25.00 a month but you are also adding $23.00 to your debt each month. By the end of the year you have given your credit card company $276.00 of your hard earned money.

Why I Choose Not to Cover

For Baby’s Comfort

The fact of the matter is, not many people enjoy eating in the dark or with a piece of cloth over half their body.  I would not subject my infant to eating a way that is not normal for older children or adults.

& Let’s face it, anyone who has breastfed for longer than four or five months knows that once a baby has the physical ability to do so (usually around six months) they will throw the cover right off!

I also strongly believe that my baby’s comfort trumps any one else’s  discomfort or judgements about seeing my breasts preform the function they were biologically made to do.

For MY comfort

I have been subjected to stares and even to people approaching me about breast feeding without covering in the past. Despite that, I prefer the nursing process to be as easy and as seamless as possible.

Taking out and arranging a blanket or nursing cover adds another step to the nursing process. In my opinion, it does the opposite of conceal the nursing session and rather it calls attention to the baby’s feeding time. Who wants to spend time looking for a cover?

I imagine if you usually use one and have this time forgotten it, you might feel completely uncomfortable having to feed your child. I have always felt peace in knowing that I am the only thing my baby needs for the first year of life. If I leave the house with nothing but myself and a diaper, my baby will be fed and happy

For Black Women

In almost every area of health, Black & African American persons are doing the worst of all other ethnicities. When it comes to infant mortality, according to the CDC (Center For Disease Control), Black Women have roughly double the incidence.

Exclusive breastfeeding reduces infant mortality due to common childhood illnesses such as diarrhea or pneumonia, and helps for a quicker recovery during illness.  In other words, one of the easiest ways to reduce the number of our babies dying, is to breast feed.

You might ask what does this have to do with me covering. Well, a major reason women often don’t even consider breastfeeding as an option is because they don’t see other women doing it! My choice to breastfeed unabashedly gives other women the opportunity to see that YES Black women do make this choice for their children and YES it is NORMAL.

For Women Everywhere

Although the first formula was created during the mid 1800s , after World War II, there was an increase in formula use as television became more common place and began to influence public opinion. During the seventies as more women entered the work force, there was an even greater increase in formula use as it becomes more difficult to breastfeed their infants.

Breastfeeding began to be associated with poverty. Women developed shame about choosing this feeding method. All the while formula companies (as they continue to do today) began to convince women that their formula was equivalent to if not superior to their milk.

I believe it’s time to take back our bodies and the power that comes along with it. YOUR milk is the best formula for YOUR baby. I refer to it as formula here because what our bodies do is create a milk that is specific to our babies and their needs. No two women’s breast milk is the same. As our babies grow the milk we make changes to suit the needs of baby. In times of sickness our milk also changes to create antibodies that most times prevent baby from developing the sickness. This is MIRACLE BIOLOGY and ALL women have this gift. It’s time we recognize it!