Pay Bills

    How do I Plan a Budget and Pay Off Bills?

    How do I Plan a Budget and Pay Off Bills?

    Budgeting your income and expenses and paying off bills are skills that will help you for the rest of your life. After planning your budget and implementing a spending and savings ...

    How Can I Cut Debt When I Don't Make Enough to Pay the Bills?

    How Can I Cut Debt When I Don't Make Enough to Pay the Bills?

    When you can't reduce your debt, it is time to start thinking like a grandpa and copying his generation's money management habits. Gramps makes do with what he’s got and ...

    5 Common Financial Mistakes

    5 Common Financial Mistakes

    One sure thing about life is that it presents you with plenty of opportunities to make mistakes. Now, there are mistakes and there are Mistakes. Making a bad choice at lunch just ...

    Do Cell Bills Get Sent to the Credit Bureau?

    Do Cell Bills Get Sent to the Credit Bureau?

    Assuming that you pay your bill, cell phone companies do not typically submit reports to credit bureaus. However, the situation can change if you fail to pay your bill. Initially, ...

    More Pay Bills Picks

    How to Create a Budget & Pay Bills

    Life was easy when your only bills were a portion of the rent, cable, utility and phone bills with an occasional trip to the grocery. Nevertheless, adulthood beckoned and ...

    How Do I Budget to Pay Monthly Bills?

    Creating a budget to pay monthly bills requires scrutinizing your income and expenditures. Now that you’ve tied the knot, you've also taken on added expenses. Start ...

    5 Elements of a FICO Score

    If you want to walk into a lender's office with confidence instead of fear, knowing what goes into your FICO score is one of the best places to start. Equip yourself with the ...

    How to Compare Health Coverage

    Health insurance is a necessary evil for newly hitched couples, particularly when they decide to add babies to the mix. Health coverage makes sure you don't get stuck with an ...

    The Best Ways to Organize Receipts & Bill Paying

    Organizing your financial records will help you pay your bills on time, avoid damaging your credit with late payments and make tax time easier. Tossing receipts and bills in a box ...

    How do I Build a Credit Scorecard?

    Building a credit scorecard can be a priority for a young couple just starting out. If you and your spouse want to make a major purchase, such as a home, car or large appliance, ...

    Importance of Paying Bills

    Families fail to pay bills for all sorts of reasons, such as willfully avoiding payment, being short on cash or simply forgetting to pay. It's never a good idea to forego paying ...

    How Long Before Unpaid Dept Becomes a Charge-off?

    If your goal is to beef up your credit score and make sure you always have good access to credit in the future, keep your bills current and certainly don't let things slide until ...

    How to Pay Bills Without a Bank Account

    A bank account simplifies the process of paying bills. But if you or your significant other don’t have an account, there are other ways to pay. Each option has pros and ...

    Should You Have Both the Husband's & Wife's Names on All Bills?

    Marriage brings with it many changes to your life, not the least of which is a shared responsibility for the bills and the question of how to handle your finances. There are no ...

    Medical Insurance for Dogs

    You probably consider yourself your dog's parent or guardian, not her owner. In fact, your pup may be your baby before (or if) any human babies grace your life. As you provide ...

    What Causes a Loan to Be Declined?

    If you and your spouse are just starting out, you may be thinking about owning a home or buying a new car. Approaching a lender and completing the necessary paperwork can be ...

    Does Paying a Bill Earlier Establish Better Credit?

    The best time to pay any bill is as soon as you can. The only really effective way to use credit cards, for instance, is to pay them in full every month so there is never any ...

    What Is the Difference Between Primary and Contingency Insurance?

    This is one of the hidden benefits of marriage -- if you and your new better half each have health insurance that also covers the other, you essentially have two insurance ...

    Snowball Effect in Paying Bills

    Paying off multiple sources of debt might seem like an intimidating task to anyone. The snowball effect is a simple way for you or your spouse to get rid of multiple sources of ...

    Pros & Cons of Interest Bearing Checking

    Money you have invested or in a savings account is working for you. That money earns interest or a return, even if it is only a small return. There is no reason the money you keep ...

    What Happens to an Outstanding Escrow Balance?

    A mortgage escrow account is a way to pay your annual real estate tax, house insurance and similar bills with monthly payments. Your lender sets up an escrow account and adds 1/12 ...

    How to Get a Company to Work With You When Paying Your Bills

    When you’re stretched thin and there’s not enough cash to go around, you may need to work things out with creditors. It’s important to be proactive when you ...

    Homeowner Credit Repair

    Your credit rating is a reflection of how responsible you are at repaying borrowed funds in a timely manner. Credit can be hurt by inaccurate reports, as well as by actual late ...

    The Disadvantages of Direct Bill Payment

    As more and more people give up snail mail for paying bills and opt to remit payments online, consumers are finding several problems with switching to paperless billing. The main ...

    How Long Can Banks Withhold Escrow Refunds?

    Banks and other mortgage lenders require you to put money into escrow accounts to make sure real estate taxes, insurance and similar bills get paid. Most buyers like escrow, ...

    Can I Take an Early Withdrawal From My Pension for Hospital Bills?

    Hospital stays are often unforeseeable and expensive, so you could be left scrambling for funds. If you've been squirreling away money in your pension plan, you might be able to ...

    What Is a Good Percentage Fee for Late Charges on Rent?

    If you're renting an apartment or a house, it's likely you have a clause in your lease that spells out a late fee if you pay your rent past the due date. Laws protect tenants from ...

    Letter of Credit Vs. Cash Collateral

    Doing domestic and international business requires a complex credit system for buying and selling. Companies want guarantees of cash or lines of credit to pay for orders. Firms ...

    When You File Bankruptcy Do You Still Pay the Creditors?

    Most people reserve bankruptcy for a last resort when they have no other options for getting out of debt. For example, you might consider this option if your debts are so high ...

    What Are the Benefits of Internet Bill Pay?

    Eliminating unnecessary hassles and distractions from your normal routine gives you more time to focus on the things you care about. Paying bills is a necessary part of life, but ...

    What Can I Do if My Mortgage Company Came Up Short on the Escrow?

    You just received your annual mortgage escrow analysis and it shows your account came up short $400. Before you fire off an angry letter to your lender, understand how your escrow ...

    Am I Better Off Holding Onto Cash or Paying Off Bills When Buying a New Home?

    Paying off debt before you buy a mortgage makes good sense — but saving cash for the down payment makes good sense too. There's no universal rule for which alternative is ...

    The Advantages of Paying Rent Up Front

    Offering to pay a landlord rent in advance for the whole of your tenancy when you move into a property doesn't make any financial sense. The cash you hand over could be tucked ...

    How Much Will Having a Baby Affect Tax Liability?

    Having a baby is a life change that has major implications on your personal finances. Taking care of babies is expensive, especially if you have to pay for daycare. The government ...

    What Does It Mean if I Have a $1,000 Deductible?

    If you have a $1,000 deductible on any type of insurance, that means you must spend at least that amount out-of-pocket before your insurance company begins to pick up some of the ...

    How to Finance Medical Debt

    Imagine this nightmare scenario. One day life seems great. You live comfortably and have money in the bank. Then you or a loved one gets sick or injured. Suddenly you face medical ...

    How to Check a Utility Bill Before Moving

    A move can be financially unsettling — but knowing how much your final electric, water, trash and other utility bills will be can help you to properly budget. This won't ...

    How to Open an Escrow Account After Closing

    Having an escrow account means never having to say you're sorry for missing an insurance bill or a property tax payment. Which means that you and your mortgage lender can remain ...

    How to Know If You Have Enough Money to Be Married

    Getting married is exciting, exhilarating — and expensive. Some deduce that two incomes are better than one, and therefore marriage is a smart financial proposition. This ...

    Internet Banking Vs. Traditional Banking

    Internet banking was first introduced in the US marketplace in 1995. Since then, banks have evolved with the information age, accommodating both the home PC user and the client ...

    How Does an Escrow Account Work With an FHA Loan?

    An FHA loan doesn’t require you to put much down, but expect your payments to include extra money due to escrow requirements. FHA loans require that you escrow for property ...

    What Do I Do If a Creditor Refuses to Give Me a Receipt?

    It would be wonderful if creditors and collection agencies never billed people for more than they owed, but that's not the world we live in. After you pay your creditors, a ...

    How to Pay a Large Tax Bill

    There are few worse surprises in life than discovering you owe the IRS money. No matter how big your tax bill is, if it's more than you can pay when you file your return, then ...

    How to Prorate Annual Expenses on Taxes

    In most cases, you’re considered a cash-basis, calendar-year taxpayer. This means you deduct expenses in the year you pay them, even when the cost covers expenses from ...

    How Large Can a Non-Taxable Monetary Gift Be?

    Generosity is often considered a positive quality, but being too generous with money can increase taxes. The Internal Revenue Service imposes a gift tax that applies to gifts of ...

    Who Pays Property Taxes in Foreclosure?

    A home in foreclosure is a potential hornet's nest, especially when you're looking at unpaid bills. While a foreclosure action will kill the mortgage debt, back and current ...

    Qualifications for Veterans Benefits

    The Department of Veterans Affairs reports that America had 22.7 million veterans as of 2010, a number that will drop as the Vietnam generation ages and dies. If you serve in the ...

    How to Divide Up Bills When Renting a House With Multiple People

    Living with a roommate and splitting expenses can be a money saver. However, people’s attitudes toward spending and responsibility often vary, and this can create tension if ...

    Does Paying Bills Consistently Late Affect Your Credit?

    It's not always easy to remember to pay all of your bills on time, but even one missed payment can negatively impact your credit score. If you consistently pay your bills 30 days ...

    How to Recover From Medical Debt

    Even when you have health insurance, a medical emergency can sucker-punch your finances. At the start of the 21st century, healthcare providers received 92 percent of their ...

    What Is the Assessed Value of a Home?

    How much a home is "worth" pretty much depends on whom you ask. Ask the owner, and you'll get one answer. (That answer is often "A lot!") Ask a prospective ...

    The Disadvantages of a Solar House

    Solar houses are homes where the electricity supply is generated by sunlight. In most domestic installations, arrays of photovoltaic panels mounted on the roof convert the ...

    How to Create a Bill-Paying Organizer

    Losing track of monthly bills is a costly mistake in more than one way. Not only do you end up paying late fees, you also run the risk of damaging your credit score. Creating a ...

    How to Pay for the Hospital With No Insurance

    An uninsured family that faces mounting hospital expenses worries about where the money will come from to pay the bills, how much damage their credit report will suffer and ...

    Is Cash From Parents Considered Taxable Income?

    When your parents spend money on you -- whether it's giving you cash or buying you a car -- it isn't taxable income. You never pay tax on a gift. If you're working for your ...

    What If You Owe a Bill to the IRS?

    Your finances can change drastically from year to year, but if you owe a tax bill, the Internal Revenue Service wants its money regardless. The best thing you can do for yourself ...

    Tax Laws for Taking Care of Grandparents

    Whether you’ve taken your grandparents into your home or are merely helping to support them, your reward may extend beyond the satisfaction of assisting a loved one. The IRS ...

    Can You Claim Orthodontics on Your Taxes?

    Getting braces or other orthodontic work usually isn't an enjoyable experience for you or your bank account. However, when the work is finished and paid for, you -- or a member of ...

    Supporting Grown Children & Gift Taxes

    In the 21st century economy, your children may be struggling with student loans and living expenses while unemployed or under-employed. You may be worried that helping them out ...

    Financial Help for Cancer Patients Without Insurance

    The first year of cancer treatment can cost anywhere from an average $5,000 for a melanoma to more than $100,000 for brain cancer, according to the National Cancer Institute. ...

    How to Have Parents Co-Sign for an Apartment

    Most apartment complexes check an applicant's credit history before approving a lease agreement. Your youth or a scant credit history may put you at a disadvantage. Your potential ...

    How Medical Bills Are Paid in Auto Accident Settlements

    Insurance companies make money when you pay your premiums regularly and never make a claim. This ideal became harder for auto insurance companies to achieve in the 1970s when some ...

    What Counts Toward a Medical Deduction?

    Qualifying medical expenses may reduce your taxable income, but the deduction is hard to claim. Unless you're self-employed, you can't deduct your medical expenses without ...

    How to Open a Separate Account for Paying Bills

    Bill paying is a necessary monthly task, but it's certainly not fun. Make the process less stressful — and more streamlined — by settling the bills through a dedicated ...

    Estate Settlement & Division of Property From a Will

    When you prepare your last will and testament, you name the beneficiaries who receive property solely titled in your name when you die. You can make specific bequests or you may ...

    Are T-Bills Taxable?

    It's hard to find a safer investment than U.S. Treasury securities, such as T-bills. Their principal and interest are both backed by the full faith and credit of the U.S. ...

    Can You Cosign on a Mortgage if You Are Unemployed?

    Credit denial is a shock when you have your heart set on your dream home. You can give up on your dream -- or you can change your application. Many young couples look to ...

    Taxes and Paying a Family Member's Medical Bill

    Medical emergencies can leave even the best prepared people in a tight spot financially, so it's natural to want to help out family members. Chipping in for a family member's ...

    What Does It Mean to Have a Family Deductible?

    An active health insurance policy pays a portion of your expenses when you see a doctor, go to the hospital, have surgery or buy prescription medications. However, insurance ...

    Buying vs. Leasing Basics

    If you’re in the market for a new car, you may be wondering whether to lease or buy. Like the decision to either rent or purchase a home, choosing whether to lease or buy a ...

    What Factors Affect the Pricing of a Treasury Bill?

    Treasury bills (T-bills) are government bonds with terms ranging from a few days up to 52 weeks. Sold by the U.S. Treasury on a regular basis to finance the public debt, these ...

    What Should You Do if a Check You Sent Was Never Received?

    Sending a check via mail, either for personal reasons or to pay a bill, and finding out it was never received or cashed, can throw a wrench into balancing your checkbook. But fast ...

    What Is a Copay?

    If you have health insurance, you have probably heard the term "copay" before, but you might not understand how it fits into the grand scheme of your insurance policy ...

    How Much of an Emergency Bill Will Insurance Cover?

    You pay for health insurance to cover medical expenses, including emergencies such broken bones, stitches, x-rays and surgeries. A trip to the emergency room is stressful enough ...

    What Challenges Do You Face When Trying to Figure Out Your Personal Break-Even Point?

    Once you know your personal break-even point, you can make plans for reducing debt, saving for a house, contributing to a retirement plan and putting aside funds for a vacation or ...

    What Is Lessor's Risk Insurance?

    Some people and companies can self-insure their assets, but most of you need to purchase insurance to protect your valuable assets in the event of a catastrophe, whether the event ...

    How to Petition for Conservatorship

    If you have a relative or friend who can no longer make his own decisions and handle his own affairs, that person needs someone to act as a guardian or conservator. Minors also ...

    An Explanation of HMO, PPO & Other Insurance Plans

    Navigating the alphabet soup of health care plans -- HMO, PPO and POS -- isn't always easy. Choosing the insurance plan that best meets your needs depends on various factors, ...

    Can the Wages of a Wife Be Garnished to Pay the Taxes of Her Husband?

    Horror stories about the IRS are intimidating enough to leave you terrified of checking the wrong box on your tax returns. The reality, though, is that the IRS gives taxpayers ...

    Is an Employment Settlement Agreement Taxed As Income?

    There are lots of reasons someone might want to sue his employee, ranging from sexual harassment and racial discrimination to workplace injuries. When a worker successfully sues ...

    Can Two People Claim Head of Household at the Same Address if They Pay Their Own Bills?

    Taxpayers qualifying as head of household for Internal Revenue Service purposes enjoy lower tax rates and a higher standard deduction than other taxpayers. However, one of the IRS ...

    Can My Wages Be Garnished for Nonpayment of Taxes in Indiana?

    If you fail to pay your taxes in Indiana, the Indiana Department of Revenue can garnish your wages. Before seizing your wages, the collector for the department may notify you of ...

    Will the GI Bill Pay for a Doctorate Degree?

    The GI Bill is designed to help active duty service members and veterans pay tuition and fees to obtain higher education. Many different programs are included under the bill, each ...

    Do I Pay Rent if My Apartment Is Being Foreclosed?

    Most foreclosures impact residential homes, but apartment buildings can also face foreclosure. Apartment renters have eviction protections that help them stay in their place after ...

    Can I Pay Medical Expenses From an Irrevocable Trust?

    An irrevocable trust is a legal provision that allows a person, known as a grantor, to place assets into the trust that will be managed by another person, called a trustee. The ...

    Should a Checking Account Be in a Revocable Trust?

    Any assets you put into your revocable trust go to your heirs when you die, bypassing probate. To put checking or savings accounts into the trust, go down to your bank and fill ...