The key/trick to getting out of debt as quickly as possible and staying that way is having a firm grasp of what debts you have, and creating a timeline that works for you to be able to clear those up as quickly as possible. While I can use Mint, and Wave Accounting, or numerous other web based apps out there, the thing that keeps me in check is my Moleskin planner.
I live in the hometown of RIM, thus its sacrilegious for one to own anything but a Blackberry. Its not really, but you get some awkward looks when you spend time with RIM employees. Owning an Blackberry severely limits access to all of the fun apps that iOS, and Android users have. Alas, the one that my phone does better than most is handle my calendar and allow me to email with the annoyingly ill-timed autocorrect. This is because I have actual buttons for keys you see.
I swear I am not trying to sell you a Blackberry. Everything else in my home is an Apple product, yet I refuse to admit that I am fan-girl. This is partly because I don’t even want to think about how much money I’ve spent on these gadgets, and partly because I don’t want to be part of that cult.
This isn’t a post about Blackberry/IPhone, this is a post about how I use my planner to pay by bills. In specific, how I use my Moleskin planner. Side PF note: I bought my planner on sale in Jan. It was marked down by 75%. Yes, you read that right.
I have code words for my pay cheques, and my bills so that if anyone else happens to scroll thru my planner, they won’t understand what they are looking that. But the following is how I schedule everything:
- Pay cycles. I note exactly when each paycheck is coming and the amount (if possible). I also note down all freelance assignment due dates and fees.
- Reminders a week before each bill is due, and a reminder 2 weeks to make sure that I received the invoice and everything was correct. I am on the few people actually reads EVERY SINGLE INVOICE.
- Reminders to big budget saving goals. This ranges from laptops to trips, to cars, house etc. I want to make that I put stuff away, and just because I have access to money doesn’t mean I need to use it.
Most of my bills are automated, and also everything that can come on a credit card is setup that way. I am talking about the little things, like membership fees, tuition etc.
There have been times that that my cell didn’t have service ( Germany), my laptop didn’t have power, and even if it did, I didn’t have access to WIFI. My moleskin have kept me from going to the wrong hotel at 3AM, meeting the wrong driver or missing my flight.
My live is ruled by organization. I meant the fact that I work in Business Operations should be a dead giveaway. I worship Excel, the Google calendar keeps me sane, and that and the notifications on my Blackberry help me make sure that I am on track. But mostly I love my planner. You will not find me with it. I am pretty sure I have had a panic attack when I thought that I lost it.
Do you still use paper planners? Why or why not?