Keeping Your Finances Organized
Whether you’re in school, or well on your way down your career path, keeping good financial records is important for individuals as well as businesses. We all can easily become overwhelmed by paperwork, especially if we don’t have a good financial filing system. I’m a fairly disorganized person, so when it comes to keeping track of things, especially my money, I have a hard time. Luckily I’ve found that most banks, credit, and debit cards have online accounts. That’s been very helpful for me to keep track of everything financial. Pay your bills using your bank’s online bill pay system and get rid of the paperwork!
The best system I’ve found to keep myself organized is immediately filing everything…the very second I get it from the mailbox. I have a “to pay” file as well as a file for “bills paid.” That way, mail doesn’t sit on my coffee table for days, and it also doesn’t get forgotten. I also have a very strict budget. By strict, I mean that I try to account for every penny that goes in and out of my account. I sit down at the beginning of the month and make a budget. I make sure to leave a few hundred dollars as a “safety” in case I forget about something. Then, at the end of each week I make sure I’m on track. I match my budget with my bank account to make sure there aren’t any unaccounted for activities taking place. I always try to end up with a few extra dollars at the end of the month to put in savings or spend on something I’ve wanted for a while.
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