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Anybody end up using physical paper to track bills? ADHD or something is sxrewing me up (lemmy.zip)

submitted 1 month ago by hansmoleman247@lemmy.zip to c/personalfinance@lemmy.ml

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I feel like I’ve tried every single app for financing out there. So far ynab does good but I fall off from time to time. Tracking stuff on my phone seems like it’s great in theory for most but I over complicate it every single time.

One big issue for me is sometimes I’ll do a pending payment and it won’t come out for a few days I might forget about it. I end up paying another bill and I end up over extending myself. Doesn’t happen every week but seems like it happens monthly.

Anyone have a simple system for tracking bills due, ones that are pending being paid?

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[–] dhork@lemmy.world 3 points 1 month ago* (last edited 1 month ago)

These are all bills that are due around the same time every month, right? I have a physical sheet of paper with:

a matrix of every monthly bill, marked with dates that are about 1 wk before the typical due date
a second matrix of quarterly/yearly payments and when they are due

(It's actually stored in a spreadsheet, but I check over the spreadsheet file and print a new one every year.)

And then I look at it a few times a month, and pay whatever happens to be due.

I go the extra mile and insist on paper statements for all things that might be variable (like credit card statements). The bills go into a to-do folder, and when I have time to pay bills I go through the pile, pay them, and mark things paid on my sheet. Then at the end of the pile, I review the sheet again to note things that might have slipped.

I do all the bill payment through my bank electronically, so at least I'm not writing checks every time....