Personal Finance

Ready-to-Use Checklists for Your Personal Finances

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The Wall Street Journal recently reported that food stamp usage has risen by 60 percent in the last 3 years. More than 42 million Americans received food stamps in August 2010, or about 14% of the population.

I hope you don’t need food stamps to feed your family, but if you do, check out this 7-step to-do list that explains how to apply for them. This “ready-to-use” checklist is available at TicTacDo, a new website that offers over 20,000 different to-do lists, ranging from pet care, to travel, to health. While some of them seem a bit dicey (do-it-yourself mole removal?), many offer more practical advice. Of special interest to Credit.com readers are the checklists for managing personal finances. The checklist titled “How to Pay Your Bills” offers simple, solid advice: “Break down the bills into two categories: Those that can be paid after the 15th, and those that are due before.”

Work with the payees to change due dates, if necessary. Then, on the 1st and 15th of each month, pay the scheduled bills. The “How to Save Money” checklist offers a number of useful tips for setting realistic financial goals. Because TicTacDo is a new site, most of the checklists have not been rated yet, which means you won’t be able to tell whether or not a particular checklist is a clunker or a gem without first clicking on it to find out. But in time, people will rate the lists, making the service more useful.

  • Jeremy Kean

    Simple budgeting tools and discipline would cut that number in half

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