Just like everyone else, I hate bills. Like clock work, they arrived in my mailbox and every month I dreaded opening those suckers up. I’d take a deep breath, and like pulling off a bandage, I’d open them fast and face how much I owed. Not anymore!!! No I didn’t win the lottery (I wish), I just figured out a simple way to conquer that mountain of bills. My secret! I did it in small steps. This is what I did. First, I got my monthly bills and other obligations, like the house taxes, house insurance and alarm and listed them and their totals. Go ahead and customize your chart to include your bills. Mortgage? Car payments? Dental/Braces for the kids? Sports activities? Secondly, I divided up m
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