We all feel that financial crunch all year long and December seems to kick us the hardest. Then it feels as if December doesn’t take us out; January will normally. When you see larger amounts that need to be paid out, it can create stress. If you break it up into smaller amounts over a period of time it makes things not so bad.

Let’s say you have the following bills and this is the amount you pay, you can see by adding just a bit more to your regular bill each month over the first 11 months can make your December payment already paid by the time that month rolls around so you do not need to worry about paying the bill that month. I find once the cash is paid to the bill you forget about it.

Internet $80 per month X 12 Months = $960 divided by 11 months = $87.27 per month; by simply paying that extra $7.27 a month you would have paid enough that when your December bill comes; you can not make a payment that month.

If your payment is normally

• $50 per month; you would make a payment of $54.55 that’s only $4.55 MORE
• $60 per month; you would make a payment of $64.45
• $70 per month; you would make a payment of $76.36
• $80 per month; you would make a payment of $87.27
• $90 per month: you would make a payment of $98.18
• $100 per month: you would make a payment of $109.09
• $125 per month; you would make a payment of $136.36
• $150 per month; you would make a payment of $163.64
• $175 per month; you would make a payment of $$190.10
• $200 per month; you would make a payment of $218.18

You can see that in many cases a few cups of coffee money is all it takes. Depending on what services you have, putting as little as $5 extra on your bill can make December a bit less stress-free. I know, I know you only have so many extra $5 to put away here and there. Don’t worry the ways to earn the extra $5 here and there are coming up very soon in future articles.