how many bills do you pay...?

[sabrelvssammy]

friends and i were chatting this weekend and the subject of bills came up and one friend said that she felt like all she did was write checks & transfer money every other day for all her bills...(she has ALOT...she says)..... so we got to counting actually how many bills we do pay each month.... and the numbers varied greatly (there were 6 of us discussing this)....

so i am wondering...how many bills do YOU pay each month.....

mtg's, utilties, phones, cable, internet, cc's, insurance, medical, car pmt's etc...(not counting savings, retirement, etc...) this is just bills you pay to another...and if it is something that is paid just once a year for convenience it still counts so break it down to 12 pmts... doesn't matter how it is paid...check, cash, transfers, auto withdrawals....

we figured that we pay 13 in all....(i am not including what our business pays that would take forever to list)....i am just talking 'personal' bills....

mortgage (rent)
(2) utilities--primary home (all come on 1 bill) & cabin (1 bill)
cable/internet (1 bill)
cc (but only some months'..others it's zero balance)
(5) insurances (prim home, cabin, health, car, umbrella)(pd 1x a yr)
country club membership fee (pd 1x a yr)
assessment fee for the cabin (pd 1x a yr)
property taxes for our cabin (pd 1x a yr)

we have finally eliminated all the cc's we were paying on thru the years....weeee....we have no store or gas cards and we have no car pmts, or boats, rv's or anything fun really....we try to pay cash for anything that would otherwise work out to a 'payment'.....our cell phones are paid by our companies as dh's gas card....so at the present time this is what it looks like....(i think i got it all)....

[TigerGirl1226]

We have 26. That includes the house stuff, dd's school, dance, life insurance, and credit cards.

[Russ]

Does "too many" mean anything?



monthly:
mortgage
truck
car ins
Heloc
CC ( paid off monthly)
elec
ADT
cell phones
DirecTV
Vet bill - I add this because with 3 dogs it seems we are always going. (even if I think it is unnecessary)

annuals:
propane
internet
homeowners ins
taxes and more taxes (property tax 2 times /year)

[MomToTwoBoys]

I have just too many.

Cable/internet/phone = 1 bill
Water/Gas/Electricity/Sewer/Recycling/Trash = 1 bill
Mortgage
Property Tax
House Insurance
Car Insurance
Life Insurance
Hospitalization Coverage
Cell Phone
Alarm System
Lunch Program (DS11)
VISA
Best Buy
Mastercard
Inlaws

[monkeywrangler71]

I have
1 biweekly bill
5 monthly bills
2 quarterly bills

[druthb00]

rent
electric
phone/internet
visa 1 (all the time for the cash back)
visa 2 (0% til June, then I feel a bal. transfer coming...)
discover (0% til June)
cap one (0% til July)
am ex (only some months, to keep it open)
car insur. (pd. every 6 mo.)

So...8-9 I guess.

[mauimagic]

Shall count later, but just wanted to say that I always love the topics you come up with svs!!

[xtena]

A benefit of getting out of debt is not having so many monthly bills.

We have:

cell phone
house phone
electricity
gas
water/sewer/trash combined on one bill
HOA
Netflix (is auto drafted on my !gasp! credit card that gets paid off every month.

No actual credit card bill, it's with my credit union and I just transfer the money to pay it off every time I use it

gym bill (is auto drafted)

no mortgage, rent, or car payments.
We still don't have cable but I love my Netflix

once a year: homeowners insurance
once a year: umbrella insurance
once a year car # 1 registration
once a year car # 2 registration
once a year: property tax (could pay quarterly but they don't send reminders to I like to just get it out of the way and not worry about missing a payment)

twice a year: auto insurance

cable internet is paid by employer, if/when I 'retire' later this year, that will get added to the monthly pile.

[Greebo]

Hmm. Actual BILLS - not sinking funds? Ok...

Mortgage includes Taxes and Homeowners insurance
Life insurance
Car registration
Auto insurance
Personal liability umbrella
Rental mortgage includes taxes and insurance
Gas/Electric
Phone (2 lines)
Cell phones
TiVo *4 (mom in law we pay 2)
Netflix *2 (mom in law we pay 1)
Audible.com
Cable/Internet

There might be more - all but life ins. car registration and the umbrella policy are on autopilot...

[nuisance26]

~Monthly:

mortgage
electric
natural gas
telephone/internet
credit card(includes charitable donation that is a monthly commitment, Dh's online game subscription, and Netflix)

Bi-monthly:

pay-as you go cellphones for DH and I(goes on our CC)

Quarterly:

water/sewer
property taxes

Yearly:

car registration renewal #1
"" #2
home insurance
car insurance

I don't know how you would count that, 11? I write 6 checks a month so that's how I'd count it.~

[leighcat]

Right now I have:
Monthly-
Rent
Electric
Cellphone
Auto Ins.
Gym membership
Cable/internet/home phone bundle
Sallie Mae loan (almost paid off)

Quarterly-
trash

Yearly-
Auto Registration

[Nana2two]

1- Mort.
2-phone-Internet (combined
3-Electric/gas (combined)
4-Cell
5-House,car,life insurance ( combined)
6- Water,sewer,trash (combined)

[KeithBC]

11 regular ones: phone, hydro, credit card, gasoline cc, house insurance, life insurance, property tax, income tax, three charities.

[WV_mom_of2]

Monthly...

House
Car
Camper
5 credit cards
One bank loan
Car insurance
Electric
Water
House Phone
Internet
Direct TV

Other bills...
House insurance-4 payments a year
vehicle registration once a year
property taxes - once a year

Cell phones- we add minutes every three months

[dcompton]

Monthly:
Rent/water - combined in single bill
Electric
Phone
Internet
CC - all daily purchases

By payroll deduction, monthly:
Health insurance
Dental insurance
Disability insurance

Paid once or twice a year:
Car insurance
Renters insurance

Phone and electric are autopay, so the only ones I have to actually make an effort to pay every month are rent/water, the CC, and the credit union CC that get the internet charge as a way to keep it active.