Bill Paying Made Easy

Okay, so just recently, my husband and I decided it was time to “get serious” about our finances.  We bought the Dave Ramsey book, got our budget in order and even started paying off debt.

Then life happened… The water heater broke and an unscheduled heart surgery took a huge chunk of our funds.

Back to square one!

With tons (let’s be real when I say TONS) of medical debt that had crept its way into our lives due to unforeseen circumstances…and some foreseen, we were drowning in negative dollar signs and growing incredibly frustrated with the whole ordeal.

So, we made a system. That’s my forte, right?

I wrote down every single bill/debt we had in an Excel document. At my corporate job, Excel is the main program we use, so this seemed like the most logical approach. I typed out the total balances, monthly payments and the payment due dates of each bill on the lines following. There it was. In black and white and ready to be TACKLED.

First, a bill account and spend account were created (instead of one account for all spending). In the bill account, we created “padding” that equaled the total amount of all monthly bills combined.

Next, we decided to use auto draft for every bill that was eligible. Most companies have the option of setting this up online, so it’s mostly hassle free. Check, check! The purpose of the extra padding is so that when bills hit your account, the balance is covered whether or not your checks have been deposited. It is a constant flow of “in and out”.

We calculated the amount of money that would be used for everyday use and transferred it into the spending account each week (my husband gets paid weekly). If you didn’t already know, transfers can be set up through your bank account! Can you say AUTOMATION? Technology is incredible and we should definitely be taking advantage of it.

Any extra funds that weren’t needed in our monthly budget for necessities is being used to pay off existing debt. This includes credit cards, medical bills and other miscellaneous expenditures. Ramsey likes to use a term called the “debt snowball” and y’all, it is genius! If you don’t have his book, I recommend purchasing. He also has a free podcasts.

I’ve got tons of other tips and tricks when it comes to money management and would love to take you on as a client to help you FREE yourself from crippling debt.

Shoot me an email to set up a consultation at [email protected].

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Sweet Sandy Wiggins, a resident of Oneonta, grew up with a love of organizing and rearranging spaces in her own home. Her friends and family lovingly refer to her as the “girl scout” of the group because of her knack for keeping things organized and beautified. Her passion for decluttered space and eye catching order landed her a spot on the OWL team. She is married to her best friend, Dwight, of 27 years and has three wonderful grandchildren to dote on. Sandy loves meeting new people, creating happy spaces for our clients and caring for those closest to her. We are blessed to have her on the team!

Stacie is a coveted member of our OWL team. She has an eye for organization and design that will make you wonder why she didn’t pursue this passion full time! A project manager by day, her life revolves around order and keeping everyone on track. As a weekend warrior, she assists in Saturday projects and makes our clients wish they could hire her for weeks at a time! She lives in Trussville with her husband, daughter and two dogs and enjoys spending time with friends and family, yard sale hopping and Alabama football (Roll Tide!).

Margaret Hale, the beautiful southern belle from Birmingham, is our newest addition to OWL.

She is a University of Alabama graduate with a degree in Restaurant and Hospitality Management and a professional chef. Margaret has worked for Southern living, owns a catering company and co-owned a restaurant in Huntsville, AL. Since cooking wasn’t her only passion, she decided to join our team and expand on her love of organizing and home décor. Her eye for flare and spirit of excellence makes her the perfect addition to our team.

In her spare time, she enjoys spending time with friends and family, being in ministry, and creating the best new recipes around.

For many years Susan has been the go-to organizer and stager for her friends and family. Having a long-time passion and naturally inclined skill set for making spaces purposeful, she decided to pursue a career in the industry. She has an endearing and meaningful memory of decorating her bedroom as a child. This included transforming bar stools into multi-story Barbie Doll townhouses. In her past lives, Susan was a Restaurateur, Executive Sales Manager, and a Cosmeceutical Sales Rep. When asked about her biggest accomplishment, she’ll gush about her gratitude for the blessing of having raised a good and decent human being. Her son is currently a grad student at the University of Florida’s MBA program.

Susan resides in Birmingham with her husband of twenty-six years and their pack of fur babies. This includes four cats and a “little” 110 lb. dog. Her lifelong platform is animal rescue and advocation.

“No matter how educated, talented, rich, or cool you believe you are, how you treat others ultimately tells all. Integrity is everything.”

Meet Miranda! The one that keeps our wheels turning and always answers the phone with a smile on her face.

She loves fishing, family, and all things nerd – which is 1000% why we love her so much!

Miranda lives in Odenville with her husband, precious baby boy, and a sassy cat.