You're in control – You can pay almost anyone, any time, day or night, or you can set up automatic payments.*.It saves you postage –Over $65 a year if you pay 10 bills a month.The money will come out of your account and reach the biller on the pay date in most cases. Some billers now offer same day or next day payments. The maximum processing time is four business days before the payment reaches the biller. It's easy – Setting up and paying bills is simple and fast.It uses 128-bit SSL encryption when communicating data. It's secure – Bill Payer is safe and secure.We will help you understand your financial situation and make a plan to meet your goals.Thousands of members pay millions of dollars in bills every month with DCU's Bill Payer. GreenPath debt and credit counselors are NFCC-certified, caring and nonjudgmental. If you need help getting out of debt, consider working with a nonprofit, reputable debt counseling agency. To get you started, check out the Aligning Priorities workbook. Aligning Prioritiesįiguring out your financial priorities is an essential aspect of money management. You don’t have any collateral tied to these loans, so you are not in danger of losing property, but these creditors do expect to be paid back. Explain that your financial situation is preventing you from making the payments, and you are working towards a solution. These accounts may include credit card bills, doctor and hospital bills, or other merchant accounts. If you simply don’t have enough money to meet your monthly obligations, you should contact your creditors to explain the situation and request some assistance. Some tax planning, and working with a tax professional, could help you save some money on your taxes. Failure to pay taxes on time can result in penalties and eventually wage garnishments. You must file your federal and state income tax return, even if you cannot afford to pay any balance due. You must pay federal and state income taxes that are not automatically deducted from your wages. In some states, child support payments are auto-deducted from your paycheck. The court also must ensure the well-being of the child. It’s the court’s job to establish a payment that is fair for both parties. Thus, it’s a high priority from a legal and moral standpoint. Child SupportĬhild support is a court-ordered payment. The key here is buying a car that meets your needs and fits within your budget. If you don’t, your creditor may buy insurance for you at your expense. If you need your car to get to work, rank your car payment just below food, medicine, housing and basic utilities. Are these “needs” or “wants”? Could you do without them in a financial crisis? Could you save money on electricity, heating and cooling, or phone bills? Carefully analyze other expenses in this category such as cell phones, house phones, Internet and cable TV. Working hard to maintain your mortgage or rent payment makes little sense if you don’t have heat, water or power. Make payments on essential utilities such as heat, water, and electricity. Failure to pay these obligations could lead to a lot of stress and loss of your home. Any condo fees or mobile home lot payments also should be considered a high priority. These expenses may be included in the monthly mortgage payment. If you own your home, real estate taxes and insurance must be paid. The lender expects timely and consistent payments. A home financed with a mortgage is a secured debt. Keep current on your mortgage or rent payments if you can. For example, look for opportunities to save money at the grocery store. Although they are necessities, it’s important to be mindful of these expenses and keep them to a minimum. These items should be your first priority. The main bills you should pay first are grocery/food, child care, and essential medicine.
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