Do you find yourself surprised by bills or unsure if you'll have enough money to cover them each month? It's important to remember that you’re still in control of your finances and budget, even when bills are piling up.


The first step in getting a handle on your debt is to understand what you owe. You can use this bill calendar from the Consumer Financial Protection Bureau to organize all of the bills you pay in a month. Here's how it works:

  1. Gather all of your monthly bills.
  2. Fill out the bill calendar to keep track of your monthly bills and expenses. Be sure to write down what the bill is for, the amount, and the due date.
  3. Put the bill calendar in a place where you can check it every day.