MANAGING YOUR BILLS BETTER

Bills are best managed by not letting them become unmanageable in the first place. Pay all of your bills on time and, when possible, pay off your credit card balances instead of carrying them from month to month. Sometimes it is not that simple. If you already have more bills than you can reasonable handle,knowing that you should pay them on time and in full is not enough. If this is the case, you will need a few extra goof-proof tips.

If it seems that every month brings a mounting stack of bills to your mailbox, managing them can seem like a daunting task. Don’t be tempted to ignore your bills with the hope that they will go away. They won’t. Instead, take the first step to regaining control over your bills: Make a list of each bill, the amount that you owe, the interest rate (if any), and the date the bill is due.

Take a good look at your list. Do you see three department store credit cards and more than one Visa, MasterCard, or American Express? If you are like many people, you probably do. So, what should you do after you have compiled your list? Decide where to cut. Be harsh and get rid of most of your credit cards, especially those with high interest rates or fees. Department store cards often have the highest rates with the least perks (such as frequent flyer miles), so seriously consider canceling all but one or two, in case of an emergency, and cancel the rest. Be sure to cut up your cards, and call the credit card company to cancel your account.

If you do decide to use an attorney, using a service like the Self-Help Law Center can prepare you for what's ahead and help you know whether the attorney with whom you're speaking has your best interests in mind. A variety of resources can help you fnd a bankruptcy attorney if you decide that you need one: You yOU can ask friends or business associates for recommendations. The bankruptcy trustees at the court in your area may be able to suggest attorneys who are reliable. Your state's bar association more than likely has a referral system.

After you collect recommendations, visit several attorneys to compare prices and determine which ones you feel most comfortable with and with whom you communicate most easily.

Before you go to the trouble and expense of contacting an attorney, appraise your situation and determine if you have anything to gain from fling bankruptcy. Gather your debt worksheets and your budget, and then ask yourself the following questions and think about what your answers might mean when you're considering bankruptcy. Be precise and realistic, because the trustee and judge will be.

Now, let’s think about those other bills—cable, telephone, electricity, rent, cell phone, student loans. Are there any bills that could be consolidated? For example, if you have student loans with two or more institutions, you may be able to consolidate them. The benefit is often a lower overall interest rate and fewer bills to pay. You may also be able to consolidate bills for such services as cable, Internet, and cell phone or pager, by changing service to one all-purpose provider. Investigate your options for reducing the number of total bills that you pay, and whether or not it makes sense for you to do so.

If your bank offers free electronic payment services, take advantage of it. Many banks will allow you to set up electronic payments on a set schedule for every month. You will most likely use an online form to sign up for the service, plugging in your account information, date by which you would like your payments made, and the amounts that you would like to pay. Your financial institution takes care of the rest and teach you how to be smart with spending.

This works well for set payments, such as student loans, mortgages, and car loans, but what about credit card bills, or your phone bill? Those bills can change dramatically from month to month. Luckily, most financial institutions account for this. You can set up electronic payments for those accounts that vary and then, when you receive your bill in the mail, simply input the amount to be transferred. You will still have to do some work, but you won’t have to write a check and scramble for postage. Another benefit of electronic payments is that you may be able to reduce your interest rates.

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