See What's Due
Use the annual Bill Payment Reminder so regular bills don't sneak up on you.
OPEN REMINDER →Sentry Page Protection
✦ The Cheapskates Club
BILL PAYING
SYSTEM
Never wonder which bill is due next.
A simple, practical system to organise your bills, spread them across your paydays and know at a glance what has — and hasn't — been paid.
What do you need to do today?
Go straight to the tool you need, or start with the four-step setup below if this is your first time using the system.
Plan My Payday
Work out which bills this pay needs to cover and keep each payday balanced.
OPEN PAYDAY PLANNER →Track This Month
See what's due, what's already paid and what's still outstanding.
OPEN MONTHLY SUMMARY →Pay Down Debt
Once the bills are organised, use the Payment Push to start reducing debt faster.
START PAYMENT PUSH →How the system works
The goal isn't complicated bookkeeping. It's knowing what is coming, what this payday needs to cover and what has already been paid.
1
List your bills
Put every regular and irregular bill into the system so nothing relies on memory.
2
Match bills to paydays
Decide which payday will fund each bill so one pay isn't overloaded.
3
Pay and record
Pay by direct debit, BPAY, card or transfer, then mark the payment off.
4
Review each month
Check what you actually paid and adjust the next month's plan where needed.
♡ A few minutes each payday keeps the whole system working.
Your Bill Paying Toolkit
Seven practical planning sheets. Download the ones you need, print them and make the system fit the way your household is paid and organised.
BILL PAYMENT REMINDERS
Bill Payment Reminder
Your year at a glance. Record rates, insurance, registrations, school fees and other regular bills so they don't sneak up on you.
DOWNLOAD PDF ↓PAY DAY BILL PAYMENT PLANNING SHEET
Pay Day Bill Planner
Tell every payday what it needs to do. Divide your bills across weekly, fortnightly or monthly paydays.
DOWNLOAD PDF ↓MONTHLY BILL PAYMENT SUMMARY
Monthly Bill Summary
See what's paid and what's still waiting. Use one sheet for each month to keep due dates, amounts and payments together.
DOWNLOAD PDF ↓DAILY SPENDING RECORD
Daily Spending Record
Find out where the little amounts are going. A few weeks of tracking can reveal leaks and make your budget more accurate.
DOWNLOAD PDF ↓MONTHLY PAYMENT PUSH PLANNING SHEET
Monthly Payment Push Planner
Turn spare money into debt reduction. List your debts, current payments and the extra amount you're pushing toward one debt at a time.
DOWNLOAD PDF ↓FINANCIAL HISTORY
Financial History
Keep a simple record of large bills and debts you've successfully paid off, including when each one was cleared.
DOWNLOAD PDF ↓RECORD OF DONATIONS / CHARITABLE CONTRIBUTIONS
Donations & Charitable Giving Record
Keep donation dates, organisations, receipt numbers and amounts together so your records are easy to find at tax time.
DOWNLOAD PDF ↓▣
Build Your Own
Bill Paying WorkbookPrint the sheets that suit your household, add them to a binder and make as many monthly copies as you need.
SEE BINDER SETUP ↓The current Cheapskates printable PDFs open in a new tab so you can save or print them.
Want to Keep a Paper Bill-Paying Binder?
You'll need:
- A ring binder
- 12 dividers
- 12 page protectors or pockets
- Your Cheapskates Bill Paying System printables
At the front: keep bills and notices waiting to be dealt with.
Behind the dividers: file paid statements or records by category — for example utilities, insurance, rates, registrations or school costs.
Your 5-Minute Payday Routine
- Open your Pay Day Bill Planner.
- Check the bills due before your next payday.
- Make the payments or confirm scheduled payments and direct debits.
- Mark each bill paid on your Monthly Bill Summary.
- File or save the receipt, statement or payment confirmation.
Five minutes now can prevent late fees, missed payments and that horrible “Did I pay that?” feeling later.
Ready to Go Beyond Paying the Bills?
The Payment Push
Once your bills are under control, use the Payment Push to direct extra money toward debt and start freeing up more of your income.
Keep Building Your Money System
Once the bills are organised, these Member Hub areas can help you strengthen the rest of your household finances.