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need tips on keeping on track when you pay things

sweetangel63
sweetangel63 Posts: 187 Forumite
in Debt-free wannabe
have a terrible memory and have to travel 8 miles to go to nearest bank. i write things on the calender when i have to pay bills and agreed payments to creditors. what are the best tips you have to help to remind you when they are due?
next £500
loan £1800
marks more card £850
barclaycard £850
[STRIKE]gratten £102[/STRIKE]
littlewoods £127
virgin £2000
nationwide £350 overdraft
lloyds £750 overdraft

all interest frozen for next 6months

paid to date in 2007

[strike]nationwide credit card £600[/strike]
[strike]lloyds credit card £480[/strike]
[strike]
adams store card £856
[/strike]
«1

Comments

  • medman
    medman Posts: 325 Forumite
    By far the best way to keep track of your finances is with your PC and internet banking. Without travelling the 8 miles you can transfer money, pay bills, cancel direct debits etc. Speak to your bank about internet banking.

    Good luck

    MM
  • spud30
    spud30 Posts: 16,872 Forumite
    I agree, internet banking is a life saver.

    A simple spreadsheet showing company, amount and dtate to be paid would also be useful, but failing that, set up standing orders to pay your bills.
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • sweetangel63
    sweetangel63 Posts: 187 Forumite
    can you set up standing orders via phone?>
    next £500
    loan £1800
    marks more card £850
    barclaycard £850
    [STRIKE]gratten £102[/STRIKE]
    littlewoods £127
    virgin £2000
    nationwide £350 overdraft
    lloyds £750 overdraft

    all interest frozen for next 6months

    paid to date in 2007

    [strike]nationwide credit card £600[/strike]
    [strike]lloyds credit card £480[/strike]
    [strike]
    adams store card £856
    [/strike]
  • spud30
    spud30 Posts: 16,872 Forumite
    I've never used telephone banking, but you can set them up online.
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • immoral_angeluk
    immoral_angeluk Posts: 24,506 Forumite
    10,000 Posts Combo Breaker
    Another fan of internet banking here :D
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • pandapaws
    pandapaws Posts: 2,119 Forumite
    sweetangel63 wrote: »
    can you set up standing orders via phone?>

    I can with HSBC and with Halifax.

    I love internet banking but there are often things that you can't do on it, and I suppose it doesn't suit everyone so phone banking has its uses.

    Who do you bank with?
  • supersavershal
    supersavershal Posts: 1,270 Forumite
    I think internet banking is the best way of doing it.You can set your payment to go out on a certain date.and you can check your account every day so you know exactly where you stand.You have to remember if paying most credit cards by internet it takes about 3-4 days for the payment to go out so set your payment date 3-4 days before its due
  • beanielou
    beanielou Posts: 99,112 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Always pay min payments by DD as you dont get any late fees then & payment can always be topped up.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** in ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 19months left.
  • custardy
    custardy Posts: 38,365 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    yes im big on internet banking.
    though i have a few debts through debt collection companys and they tend to not give online payment details so i keep track of those on a word doc(not clever enough for spreadsheets ;)
  • trying-very-trying
    trying-very-trying Posts: 1,215 Forumite
    There was a link on this forum, see below.It might help.
    http://forums.moneysavingexpert.com/showthread.html?t=503447
    Official DFW Nerd Club - Member # 593 - Proud To Be Dealing With My Debts!



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