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Home » Printables

Monthly Bill Organizer and Tracker Worksheet FREE

Published: Aug 24, 2022 · Modified: Feb 2, 2023 by Ginny · This post may contain affiliate links.

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This Free Monthly Bill Organizer and Tracker Payment Log could possibly be one of the most important template for bills for the finance binder if you are trying to establish or reestablish a better credit score. Paying bills on time and doing so consistently is incredibly important and this tool will help you get to your goal. 

monthly bill worksheet on a rusty background with a pot of succulents and text overlay
Contents hide
1 💵 Why You’ll Love This Bill Monitoring Printable
2 🖥️ How to Use the Bill Calendar
3 ✍️ Tools
4 📒 Putting this Together with the Mini Finance Binder
5 💻 Snag This One Now
6 📱 More Financial Printables
7 Monthly Calendars

According to myfico.com, payment history is 35% of your total credit score. Let that sink in for a minute. Over ⅓ of our credit score is essentially paying our bills on time.

pie chart showing the sources of components of your credit score.
Source: https://www.myfico.com/credit-education/whats-in-your-credit-score

Lenders want to know if they can trust you to pay on time.

Given that the weight of this one aspect of your credit score is so high, it is so important to pay attention to it. 

💵 Why You’ll Love This Bill Monitoring Printable

Keeps You on Track | As long as you log all of your bills into the PDF, this handy tracker will keep you on track to pay your bills on time each month.

Organized | This is one of those bill paying monthly organizers that makes sure you are checking off every month that you paid each bill.

Ensures You Never Miss a Bill | That’s right! If you follow along and fill in 100% of your bills, this one spreadsheet will make sure you have paid everything every single month.

🖥️ How to Use the Bill Calendar

Most of you will only need to print one of these per year.

List out all of your bills on the left hand column and then simply check off when you pay it each month. 

Monthly bill worksheet with the date, description, amount and which month you paid.
Printable Bill Payment Monthly Calendar

I found it helpful to go into my bank account and list all the bills I currently pay. Look everywhere for these. 

  1. Check in your bank account in the BILL PAY section. This is the section you PUSH the money out of your bank account. List all of these on the sheet. 
  2. Check in your bank account for the ACTIVITY section. This is where you can find the bills that are PULLED from your account. These are auto payments that are pulled from checking. 
  3. Check all of your credit cards for any ACTIVITY of auto payments (e.g. Netflix, Hulu, etc). 
  4. Check for the bills that you receive in the mail.  You may write a check for those that don’t fit into the above categories. 

This should capture all your payments. It may take a few months to complete everything, though. We have a couple of bills that we pay quarterly and they didn’t show up when I did this initially. 

That seems basic, right? How many times have you accidentally forgotten to pay the power or water bill? Maybe it was the minimum due on an installment loan. Late fees and a hit on your credit would be two problems you don’t want when you can control it. 

If this is hard for you, try starting off using the Cash Envelope System to categorize your money each pay period to help you designate money towards each expense.

✍️ Tools

Binder | Grab a small 1″ binder to put this and the rest of the finance binder inside. It will help you stay organized and structured.

Pens | Grab a couple of your favorite pens and keep them in the binder as well. When it’s time to sit down and do bills, everything is already there.

📒 Putting this Together with the Mini Finance Binder 

This Bill Worksheet Printable will work hand in hand with the other printables in the Mini Finance Binder. Utilizing all of the tools in the binder will help you reach your financial goals this year. I am not going to lie, this is hard work, but the payoff is HUGE. 

💻 Snag This One Now

📎 The Mini Finance Binder includes: 

Expense Tracker – You are going to keep track of all of your expenses each month. This one was featured first as it is imperative to get a full understanding of where your money goes and to be honest with yourself about it. Fair warning, it may be hard to accept where you are spending your money.

Daily spending log free printable with description, category and amount.
Example of Bill Payment Log

Spending Log – This daily spending log helps to see how much money leaves your wallet each day. Time goes by so quickly and it doesn’t FEEL like we spent that much, but this sheet is the visual that is going to SPEAK to you like no other. Take it with you on a Saturday and just start keeping track how much you spend. For most of us, it won’t even take a week to realize that there should be some cutting back going on. 

Debt Payoff – This takes a deep dive into your debts and tracks how much you pay off. This is a holistic look at your debt and helps you to keep track of how much you owe. It is a great tool for tackling the highest interest rate ones first.  

$1000 Emergency Fund Savings Challenge–This one takes you through the steps via a fun challenge to save a $1000 emergency fund that so many people lack. Are you prepared for an unexpected expense? This will help you get there fast!

Add all of these sheets together with the email freebies, Monthly Financial Goals and Yearly Financial Goals.

📱 More Financial Printables 

We’ve got lots of freebies here on Savor and Savvy to help your road to financial freedom! Check these out! 

Savvy Budget Planner – This is a complete budget binder with helpful tips, tricks and how-tos to help you on your financial journey.

Grocery Comparison Sheet – I love this sheet as it doesn’t lie. We all get addicted to our favorite grocery store but is it REALLY the best value grocery store? This printable helps you be a detective and figure that out. 

Money Envelope Templates – If you know Dave Ramsey, you know what we are talking about. These nifty templates are great to print and start the practice of money envelopes! 

52 Week Savings Challenge – You can start this anytime of the year. Just do it! We love this and if you skip over to read our story, it will explain how this one gem changed our lives. 

Penny Challenge – This is my go-to recommendation for anyone trying to learn the art of saving. It starts slow but quickly dominoes. It also shows you quickly money savings will add up. 

Monthly Calendars

January Calendar

February Calendar

March Calendar

April Calendar

May Calendar

June Calendar

July Calendar

August Calendar

September Calendar

October Calendar

November Calendar

December Calendar

Monthly Bill Organizer and Tracker Worksheet  FREE
« December 2022 Calendars – 12 FREE Printables
Debt Tracker Printable FREE »

About Ginny

Hi! My name is Ginny and I know how busy life can be! I am a mom working hard to prepare healthy meals for my family that is always on the go!

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Family Photo Hi! My name is Ginny and I know how busy life can be! I am a mom working hard to prepare healthy meals for families on the go! Read More...

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