Archive for the ‘Time Saving Tips’ Category

Time Management At Work

Monday, March 3rd, 2014

Whether you work in a huge corporation or you’re a solopreneur plugging away by yourself at home, chances are you often feel as is there aren’t enough hours in the day. And it’s true. So since your To Do list never gets any shorter, knowing how to squeeze the most out of the time you have is critical if you want to get ahead at work.

Managing your time isn’t about getting more done, it’s about getting things done efficiently. To help you identify the areas where you may not be making the most of the time you have, created a useful quiz, and offered ideas on how to address the most common challenges.

One major hurdle to staying on schedule throughout your workday is learning to handle your email. Getting lost in your inbox is a common culprit in “lost time” syndrome. British online health authority NHS Choices referred to this as “email stress” and recommends a “4D” approach to managing it. The idea is to handle each email as it is opened, by taking one of the following actions:

  1. Delete It: Don’t need it? Why save it?
  2. Do It: If the email is something that can be answered quickly (in a minute or two), take care of it immediately.
  3. Delegate It: if you know the right person for the job, share the email with them right away.
  4. Defer It: If the email requires more attention, schedule a specific time to deal with it at a later date.

You can also practice the following techniques to learn to master your time for maximum productivity:

  • Is your To Do list as long as your arm? Don’t try to take on everything at once. Break down your list into bite-sized chunks and start to tick them off one at a time. You’ll have a greater sense of accomplishment when you can complete several smaller items, than if you spent half the workday worrying about a huge project that you can’t seem to make a dent in.
  • Take the last 15 minutes of each day to plan how you’ll spend your time tomorrow. Make sure that the tasks you have scheduled each day are directly correlated to the most important deadlines ahead.
  • Schedule five minutes before every meeting to review and prepare. Schedule another brief block of time directly following the meeting to email any documents or action items that were discussed, so you’ll have a fresh record of what transpired and you won’t need to revisit it later in the day.
  • Let it ring! Just because your phone rings or your email pings doesn’t mean you have to drop what you’re doing and answer it. Stay focused on what you’re doing by turning off the ringer, silencing your Blackberry (no vibrate either!), and even setting an autoreply from your email account, if necessary. You do not owe anyone your attention at the exact moment they request it, so don’t feel guilty if you practice the dying art of concentrating on a single task at once.

Prioritizing tasks and effectively handling interruptions are only part of the time management equation. As with any important project, you have to start out by setting goals. What do you want to achieve today? This week? This month? If you clearly identify what you want to accomplish in the short and long terms, then you can create and maintain your work schedule with more satisfying results.

What challenges do you face staying on task at work? What techniques have you found to maximize your productivity?

Shining a Light on Black Friday

Thursday, November 21st, 2013

With Thanksgiving just a week away, most of you are pre-occupied with menus and travel plans, family and football. But for some of us, this holiday is not just about drifting into a turkey coma… it’s about diving into shopping chaos!

Venturing out to shop on Black Friday is not for the faint of heart. You’ll see things you’ve only read about in blogs: women will come to blows over a good pashmina, grown men will weep over dirt-cheap flat screens. Black Friday is the pinnacle of consumer competitions, and you must be prepared to muscle through these unnerving scenes if you want to make it worth your while.

For those of you who are determined to brave the throngs of devoted deal-hunters, I’ve put together some pointers to get you through it with greater success and fewer battle scars.

Here’s how it’s done:

Do your homework, online and in person. Armed with a list of your essential purchases, research the stores you want to hit by checking their websites and, if possible, by going to the store before Thanksgiving. If it’s a store with which you’re unfamiliar, going there first will help you get the lay of the land, so you don’t waste any time wandering around aimlessly on the big day. Being there beforehand will also give you the chance to question the salespeople about the merchandise you’re targeting while it’s still relatively quiet. Don’t expect to get anyone’s attention or assistance when Friday rolls around.

By sussing out the stores online, you can check out the mall map online and print out your route.

You may also be able to uncover some online-only discounts that can multiply your savings. Just make sure to print any coupons you find online and bring them with you. If the customers in the store don’t know about it, you may want to be prepared for some staffers to be in the dark, too.

Know thy list. The best thing you can do to streamline your Black Friday process is to have a thorough list prepared. Narrow it down to your “must purchase” items, and make careful note of your budget for each item – including any allowable wiggle room – so you don’t have to make decisions (or do any math!) on the fly.

Fortify yourself. Don’t attempt to navigate the jungles of Black Friday without a good night’s sleep and proper nutrition. Arrive well rested and fed. Have a good breakfast and pack snacks to maintain your stamina. Make sure it’s protein-based so it gives you energy, and don’t forget to stay hydrated.

Pack light and carry a big tote. Don’t bring anything you don’t need, but if you’re planning to pick up numerous smaller items, then it’s wise to bring a large empty tote bag with you. You can consolidate your smaller purchases in to one bag,which is easier to carry, and means fewer things to lose in the chaos!

Don’t go it alone. You’ll definitely want to leave the kids at home, but if at all possible, do use the buddy system! Bring a friend with laser-like focus, who willremain calm while barreling through a wall ofunsuspecting shoppers for you, just to grab that last pair of cherry red Manolos from the shelf.

Get a ride! The only thing more daunting than a shopping mall on Black Friday is the parking lot. Ask another friend to drop you off and pick you up so you can save yourself time searching for a parking spot and waiting on line to get out of the lot when you’re done. Offer to pick up something from their list, as a thank you.

Everyone knows that Black Friday is a hurricane of no-holds-barred, take no prisoners, full contact shopping. Make sure you have your battle plan in place and in the end you’ll be victorious… and ready for a big plate of Thanksgiving leftovers. Happy shopping!

Too Much Stuff? Free Organizing Help With Rubbermaid & Scott Roewer

Monday, January 11th, 2010

headerThe National Association of Professional Organizers for years has celebrated January as Get Organized Month, and this year is no different!  You likely  know someone who’s proclaimed that in 2010, they would finally get organized.  Or is this your year to banish the clutter for good?  Either way, free tips and suggestions for get organized and staying organized are always desired.  So, together with Rubbermaid I’m here to help.  Rubbermaid is hosting a Get Organized Month – 5 Day Twitter Chat.  I’ll be guest tweeting for Rubbermaid on the topic of “Too Much Stuff”.

Join me on Tuesday, January 12th from 11 a.m. to 12 p.m. EST time. I’ll be tweeting about your organizing problems and offering solutions.  Also, the nice people at Rubbermaid will be giving away products each day to help you get organized!  How cool is that?  In order to win you simply need to participate in the discussion on Twitter.  They’ll randomly choose four people  to receive prizes.

To join the Chat and win:

  1. Create a Twitter account (if you do not already have one). Go to to sign up for a free account.
  2. Follow myself and the two Rubbermaid hosts
    You can find me on Twitter – Scott Roewer @Declutteryou
    The Two official Rubbermaid hosts are:
  3. Jim Deitzel: @Rubbermaid & Erin Gentry: @RubbermaidErin
  4. Remember when you are referring to us or asking us a question on Twitter to either reply or use our entire Twitter handle (i.e. @DeClutteryou)
  5. Use the hashtag #Rubbermaid for the contest. You must use the #rubbermaid hashtag in your tweets to qualify for prizes. Also, search for the #rubbermaid hashtag to follow along with the conversation.The chat continues on Wednesday, Thursday and Friday.  Check out the schedule and the hosts below.

7 Packing Tips for Holiday Travel

Monday, November 16th, 2009

woman sitting on suitcasePerhaps it has happened to you.  After waiting in the long line to check your bag, you finally reach the airline ticket counter. It’s 10 AM and you’re already tired from getting up early to pack since you waited till the last minute.  The not-so-chipper ticket agent tells you to place your suitcase on the scale.  You begin to sweat, because you dread this moment each time your travel.  Will your bag be too heavy?  You struggle to place your overfull suitcase on the scale and cringe as the digital numbers read, 57 lbs.  At 7 pounds overweight, that’s a $50 one-way service charge.  In the old days, you might occasionally meet a nice airline ticket agent who would have let it slide.  But in the days of restrictive policies and baggage fees, this is not likely to happen!  Don’t let the airlines rip you off.  I use a digital scale to weight my suitcase at home if I plan to check my bags.

eaglecreek-bagWith the onset of baggage fees, more people attempt to carry on their bags.  If you’re traveling this holiday season, that means there will be a lack of overhead storage space.  Carrying on is great, but you don’t want to fight with a bulky bag.  Be sure to start with a light suitcase.  My favorite suitcase is the 22″ Hover Craft by Eagle Creek – it’s light, compact and easy to maneuver through crowds.  The matching Travel Tote has a sleeve that slides over the handle of a rolling bag making it the perfect, personal carry on bag.  Be smart by packing light, packing efficiently, and by planning ahead when you travel.

Packing Tips

  1. Limit the amount of clothing you take.  Lay out what you think you’ll need and then put half of it back! Pick colors that you can mix and match to maximize your wardrobe.
  2. When selecting clothes for your travel, know that cotton, wool, and knits wrinkle less when transported.  Also think about all purpose shoes that you can wear for multiple outfits.  Shoes should be placed in bags so they don’t get your clothes dirty. I love the ‘Shoe-Ins‘ shoe bags from The Container Store.rolled jeans
  3. Roll you clothes and place items that won’t wrinkle on the bottom.  Next, drape long items on top.  Smaller items like belts and accessories should line the side of the suitcase.
  4. Carry or wear your fine jewelry.  I recommend a film canister with tissue for earrings, rings or other small delicate items.
  5. If traveling with small family members, make a checklist so you can use it to remind yourself of what you need.
  6. Be aware that flying with a car seat or stroller may cost you more.  Most airlines still allow parents to check car seats and strollers with no additional fees.  Double check with your airline to make sure they don’t count a car seat as a second piece of luggage.
  7. Pack early!  Whenever you think of something to take – put it in the bag.  Keep a running list so you don’t have to unpack to see if you’ve already tossed it in the suitcase.

zipper cubeBonus tip – Never carry full bottles of product with you.  Create your own travel size bottles of lotions and makeup.  Checkout these 2 oz. clear jars, or these 3 oz. flip top bottles to make your own travel size products.  Drop them in the clear zippered cube (size B) and you’re set to fly the friendly skies.

There are many benefits to traveling light baggage claim signand carrying on your bags.  Your bags will likely will not get lost or damaged because they’re being handled by you.  When you arrive at your destination, you won’t have to fight the crowds at baggage claim.  That alone is a great incentive to carry your bags!  If you live in a city with mass transit at the airport, you’ll beat the crowd to the Metro or be in the front of the taxi line which can be very long during the holiday rush. And, if you have someone picking you up, you won’t have to worry if their trunk is full of clutter.  You’ll easily be able to place your bag in the back seat.

Wishing you a safe holiday travel season,

Get Organized At Home With These Helpful Products & Services

Thursday, June 11th, 2009

I recently attend the National Association of Professional Organizers Washington, DC – Metro Chapter’s June meeting.  Members featured new products and resources from the NAPO Conference in Orlando, Florida which I attended this past April. One by one, members demonstrated various products and explained the highlights of some new services. Everything shown was new, unique or a great resource. Below is a list of eight items featured. I’ll blog about the other five items in a future post.  Thank you to all the companies who donated their product.  Each product was given away as a ‘door prize’ at the end of the meeting!  Read on to discover which item I won.

Shelf Improvement Rollout Shelves
Shelf Improvement makes glide out shelves which only require four screws to mount and have a “2 minute” estimated installation time.  They were very solid in construction and had beautiful dovetail corners.  I was very impressed with the quality and price.  The glide out shelves are $79.00 plus $10 shipping for any size.  The widths available are: 10″-30″ wide increasing in 1″ increments and the depths are 21.5″, 18.5″, or 16.5″.  If you’re a do-it yourself type, check out these glide out shelves.

Clearly Noted
These designer note cards were created specifically for Professional Organizers.  They are the concept of my friend and colleague, Jill Revitsky of Discover Organizing from Pittsburgh, PA. The designs are fresh, unique and feminine in style.  They’re also very reasonably priced at $15.30 for a 6-pack.  If you’re an organizer and need stylish stationary to stay in touch with your clients, buy these cards!
The owners of, Maxx & Monica attend the meeting as guests.  Their unique service will scan your precious photos, old slides, and convert your old VHS Tapes and 8 mm film to DVD.  I love the idea of their service called – Stuff ‘n Send. A prepaid box which will hold up to 1600 photos. The photos are scanned at 300 DPI and returned on your choice of digital medium for the current sale price $99.95. They really couldn’t make it any easier.  Make this your Father’s day gift!

Brother P-Touch 1230PC
This easy to use label machine connects to your PC via USB.  You do not have to load software on your PC because it’s preloaded on the machine.  You can conveniently design durable, laminated labels up to ½” wide using your PC keyboard and monitor.  The labels print on their TZ label tape which comes in white, clear, and various other colors.  You can load additional logos or any True Type Font on the machine.  Brother says it’s “Perfect for home or home office labeling needs.”  I won this label machine in the ‘door prize raffle’ at the end of the meeting but I’m a Mac user – so, it’s not so perfect in my opinion.  For PC users, at $49.99, you could use this label machine – a bargain in my opinion.

List Planit
Jen Tankersley has branded her company as “List to Put Your World in Order”, and I agree!  List Planit has over 400 attractive, printable lists and planning pages for you to manage life.  They’re conveniently organized on their site by categories – life, business, kitchen, finance, etc.  They have three types of membership – print, download, or professional ranging from $20 – $50 yearly. That’s If you like paper lists, I highly recommend this service.

Time Timer®
If you saw the episode of Time Makeover on The Fine Living Network when I worked with the Lucchesi family, you would have learned about the very cool, Time Timer®.  Their products demonstrate how much time has elapsed.  If you see the color red on the face, that shows you how much time remains.  If you have trouble managing time or if you’re teaching the concept of time, there is no better tool than a Time Timer®. Their website boasts “This innovative tool constantly reinforces the sense of elapsed time in order to promote better time management.”  You can buy the 3″, 8″ or 12″ version or their handy wrist watch style.  They even have a new PC/Mac software that runs on your computer screen.  I’ve been using it since April to help manage the time I spend on Facebook and Twitter.  Prices start at $30 and I recommend you purchase the timers with the optional audible signal.

Recipe Nest® by Recipe Relish
I’m in love with this concept because I frequently tear recipes out magazines, dreaming of the day I’ll learn to cook.  The Recipe Nest® is perfect because it’s designed to store full-page recipes from your printer or from magazines.  They’re organized with tabbed dividers.  No more trying to punch holes in the flimsy magazine paper!  The built-in easel easily folds out and works with the clip-on the front to display the recipe you’re using.  This keeps my dirty hands off the recipe when cooking and I use a plastic sheet protector, or you can buy the specially designed ‘Recipe Sleeve,’ to keep the recipe clean as you cook.  The surface of the Recipe Nest® is also spill proof, so you can splash and splatter all you want!  There are great colors to choose from and the Recipe Nest® easily fits inside most kitchen cabinets or on a bookshelf.  Choose the color that matches your unique style.  Mine is Kiwi Green!  This is perfect for anyone who likes to cook at $38.95.

Easy Find Lid Food Storage Containers by Rubbermaid
I blogged about these Easy Find Lid Food Storage Containers by Rubbermaid back in September 2008 which I featured them on a WUSA 9 TV Appearance.

Their unique design allows you to snap the lid to the base of the containers.  You’ll never lose a lid again!  They come as small as .05 cup up to 2.5 gallons and all sizes in between.  With this graduated size design, they easily nest together. I’m a huge fan of square storage containers because they optimize your storage space.  Yes, you can microwave and freeze meals in these containers.  A 20 piece set is around $15.99.  I’ve seen them for sale at Target, Harris Teeter and Giant.  Click here to download a coupon for $1.00 off your purchase.

We had five more products featured at the meeting which I’ll feature in a different blog post.  Did you find anything above that would be helpful to you at home or that would make the perfect gift for anyone?  Please leave a comment below to share your thoughts and ideas.

Six Holiday Survival Tips to Help You Save Time And Money

Saturday, November 29th, 2008

It’s not even December 1st, yet with Black Friday behind us, we’re already feeling pressed for time?  I over heard someone at the store saying, “each year I don’t think I’ll survive the holidays!”  The person with her agreed holidays were very stressful.  Wake up!  Holidays are not suppose to be stressful!  If you’re easily stressed during the holidays, keep reading.  I’m giving you six holiday survival tips.  I hope they make life easier for you.

  1. Wrapping Paper: If you run short of holiday wrapping paper, or simply want something more creative, use your child’s art work. Grandparents especially love this packaging. If you have rolls of unused wall paper, use it to wrap gifts.
  2. Save on Gas: Driving from store to store to buy gifts can be tedious, not to mention time consuming. Shop online for holiday gifts. Sites such as waive shipping charges!
  3. Gift Notebook: Have one central location for all your holiday lists and ideas.   You’ll include your shopping list, meal planning, notes on travel, sales fliers, etc.  Also, designate a folder pocket or envelope for gift receipts to make returns a breeze.
  4. New Tradition: Must a traditional holiday meal be rich in calories in order to make your family happy? Start a new tradition of health-consciousness dining this year. Consider polling your guests for their favorite dishes. Then look for low-calorie version recipes online!
  5. Say Yes: When someone offers to bring something to a party, or to help you out in any way, say YES! They wouldn’t offer if they didn’t truly want to help.
  6. Donate Decor: If decorating is part of your holiday celebration, edit and donate the items you’re no longer displaying in your home. This will make storage easier after the holidays.  This should be done before the holiday as many donation sites will not take holiday decor after the date has passed.

7 Time-Saving Tips for Mailing Holiday Cards!

Friday, November 28th, 2008

Writing holiday cards can seem like a burden, but with a little patience and some proper planning, this otherwise burdensome task can become a meaningful way to send some holiday cheer. Here are 7 time-saving tips to simplify this process.

  1. Begin to address envelopes for the holiday card now. Try to do five to ten envelopes an evening.
  2. Once the envelopes are finished, write five to ten cards per evening.  The envelopes take longer if you do them by hand, so that’s why I do those first.
  3. Challenge a friend or relative to see who can get their cards in the mail first. Make sure to have a fun prize.  Involving a friend who you’re accountable to, will help you stay focused.
  4. Avoid long lines at the post office by going during their non-peak hours.  Statistically the slowest time at the USPS is 2:00 PM – 3:00 PM.
  5. For the budget conscious, buy discounted holiday cards at the end of the season for the next year.  Next year, you’ll save time because you won’t have to go hunting for the perfect card.  I love saving time and money!
  6. Prior to mailing your cards, weigh one to ensure that you do not require additional postage.  Speaking of postage, buy a bunch of Forever Stamps if you mail letters each year.
  7. If you don’t like sending cards, consider a ‘holiday letter’ that is mailed out around New Years.  You’ll save time by not feeling the need to write a personal message in each card.

With these easy ideas, you’ll be able to maximize your time and simplify your life during the busy holiday season.

10 Minute Organizing Ideas

Wednesday, September 17th, 2008

Recently I asked friends, professional colleagues, and business owners who follow me on Twitter and Facebook what they would tackle if they had 10 minutes free and felt like organizing. I have enjoyed their responses and perhaps they may inspire you to find 10 free minutes each day to organize.

Deb Lee of D. Allison Lee Professional Organizers said she’d deal with her mail. “Open the mail and put each individual bill in my bill sorter so that I remember to pay them!”
Leigh Ann Hubbard is Managing Editor of James Hubbard’s My Family Doctor magazine and suggested she would tackle her bedroom.  “Nobody can enter it at the moment, and you have to go through it to get to the bathroom.”
Shelf Genie Franchise Owner, Allan Young must be using social media frequently, because he needs some online organizing time. “I’d organize my friends on Facebook into categories.”
Human Resource Professional, Daniel Jason of Richmond, Virginia saves money during his 10 minutes.  He said, “I’d organize all my clipped coupons by date so that I can use them before they expire.” Great idea, Daniel.
Southern California bike enthusiast Buzz Kasprzyk said his desk needs work. “My PC Desk at home and work table!   Looks like the post office threw up on it, or like a tornado flew by!”  Well, Buzz – you’re not in Kansas anymore.  I didn’t know they had tornadoes in Long Beach.
Professional Organizer and owner of The Clutter Cutter of Wichita, KS, Pam McCutcheon said “My fridge – because my husband does the grocery shopping and I rarely know what is in there!” I agree, gotta keep the family fed!
Debbie of D & R Custom Organizers and blogger at Virtually Organized responded via Twitter with this comment: “My Middle Schooler’s overstuffed backpack. There’s GOT to be a way to reduce how much she has to carry every day!”
(Middle school students in Washington, DC are not allowed to carry backpacks at school.)
Tom Dow, General Manager of CF Folks, Inc. an awesome catering firm in Washington, DC said  “America’s finances…10 minutes would be more than what’s being done now.” If you can solve it in 10 minutes, I say “Dow for President!”
Kit Grieder of Herndon, VA a book keeper and self described “domestic engineer” said he’d tackle his linen closet’s shelves.  “Ten minutes is enough time to pull out the old towels to become garage rags, refold the good ones and put them back neatly.” A neat linen closet is a beautiful thing.
Kevin Nellis, a Public Health Analyst has some extreme ideas when it comes to organizing. “I’d light a stick of dynamite in my master bedroom closet. It’s a good excuse to renovate and get rid of things at the same time. And I get to buy more clothes.”
From New Jersey, Geo Jedlicka, an accounting manager turned nursing student said, “I’d probably organize some papers lying around somewhere, whether it be a drawer, or pile. There might be a bill that needs paying.”
Adriane Williams, a former client of Solutions by Scott who moved to West Virgina to begin a life as a college professor said she’d work on her dining room table.  “It’s the drop off point for mail. We have a mail center but it is overrun, so the table is always under siege. I try to pull it together to keep things from getting out of hand just before I walk out the door.”
Jessica Brigham Food Service Director for Houghton Mifflin Publishing Company must be carrying around a big purse.  She said “I’d clean out my bag. So as not to carry things with me that will just get in my way all day.”

Are you inspired? What could you do with 10 minutes? I’d love to hear from you.

Six Email Tips to Save Time

Friday, August 15th, 2008

Like most of you, I receive an overwhelming
volume of e-mail each day. I get e-mails from clients, my volunteer work, list-serves, family, etc. It’s simply exhausting. In order to preserve my sanity, it was critical for me to develop effective, time saving e-mail management techniques. Here are a few of my secrets:

Filters can help you save time by having your e-mail program manage itself. E-mail programs such as Outlook, Gmail, and Entourage can be configured to filter emails directly into folders. This includes sending spam directly to the trash. By filtering your e-mail, you’ll be able to selectively read mail in each folder as time allows.

Not on Demand
Conditioned like Pavlov’s dog, many of us are trained to respond to e-mail as soon as we hear “you’ve got mail.” If your e-mail program announces when mail arrives, turn off this feature or simply turn down the volume. You will be able to better focus on the project at hand.

Set a Time
Your work flow is disrupted if you stop to answer e-mails as they arrive. Your productivity will increase if you set aside a specific time each day to review and respond to e-mail. You may need only one block of time or your inbox may require more frequent reviews. If you set aside dedicated times to responding to mail, you’ll boost your efficiency.

Avoid Peak Hours
Most e-mail responses don’t require great thought, creativity, or analytical concentration. Therefore, avoid answering e-mails during your most productive time of the day. I am most creative and productive in the morning. Sometimes answering e-mails first thing in the morning can drain me of that positive energy. Put that power time to full use and save your e-mail replies for a time when you’re not at your peak performance.

Discover Technology
Using a smart phone with wireless technology (iPhone, Treo, Blackberry) allows me to use my unexpected downtime for practical purposes. If I arrive at a meeting early, find myself stuck in an airport, or simply don’t want to be tied to my computer on a beautiful day, I can use my phone from almost anywhere to quickly respond to e-mails. When I return to my office, I breathe a sigh of relief when I open my e-mail inbox and realize I’ve already responded to most of the messages.

Read, Respond, File. Repeat.
Use e-mail folders just like a paper file system. If you save e-mails, create folders and sub-folders for your inbox. This will make finding older mail simple and keep your inbox empty. For example, all e-mails from my family go into one specific folder. All e-mails related to my business go into a different folder. I use the “read, respond, and file” method as a great way to manage my inbox.

Save Time and Money with Online Banking

Wednesday, August 6th, 2008

I love online banking. I save time and money each month by using this free service. I can log in to my bank at my convenience to:

Save time, just like this Dad!

Save time just like this, Dad!

  • Make and schedule bill payments from any of my accounts
  • Schedule a recurring bill once and not have to worry about sending future payments of the same fixed rate
  • Request copies of payments or checks
  • View and download monthly statements
  • Change my address with the bank
  • Request a replacement card if mine ever breaks
  • Set up alerts if my account balance gets below a certain point–the alerts can be sent to my phone or to my computer

Paying your bills online also helps maintain lower interest rates and decrease your chance of defaulting to a higher APR. Keep in mind these helpful tips to pay your bills online:

  • Make a habit of paying bills as soon as they are received
  • Schedule a recurring payment through your bank’s online bill payment system
  • Allow the bill provider to auto-debit your bank account each month
  • Know your payment due dates each month, as they can sometimes vary
  • Use the bank’s alert system to remind you will bills are due
  • Remember the payment may take a few days to arrive depending on payment method and location

My favorite thing about online bill pay is the bank pays for the postage to mail the payment! Do you use auto debit or online bill pay each month? Do you think it saves you time and money?