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Household Bills Calendar

Every bill, direct debit and due date mapped on one calendar against payday, with a float that stops bounced payments and routines that catch price rises and contract end dates early.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Then open the Marketplace in the app, search for Household Bills Calendar, and click Install. It goes into your own files, and works offline from then on.

Before you start: this plan is general information to help you organise your own money decisions. It is not financial, investment, tax or legal advice. Check decisions that matter with a qualified, licensed adviser in your country, and remember that investing and trading can lose money.

What it installs.

1

Pillar

1

Area

50

Projects

206

Starter tasks

💷 Personal Finance

Household Bills Calendar

Mapping every bill, direct debit and due date across the month so payments never bounce and cash flow stays smooth.

  1. Master list of every household bill
  2. Bank mandate list matched to the master list
  3. Card-linked recurring payments map
  4. Annual and irregular bills register
  5. Month-at-a-glance bills calendar
  6. Payday versus due-date gap check
  7. Bills account float and minimum balance rule
  8. Choosing how each bill gets paid
  9. One home for incoming bills and notices
  10. Weekly five-minute bills glance
  11. Monthly bill run on a fixed day
  12. Bill amount history log
  13. Twelve-month bills forecast
  14. Contract end dates and notice periods calendar
  15. Monthly meter readings for accurate bills
  16. Handling payment change notices within a week
  17. Yearly rebuild of the bills calendar
  18. Paperless bill archive and retention
  19. Direct debits, standing orders and card payments compared
  20. Reading a utility bill line by line
  21. Billing cycles, statement dates and payment windows
  22. What happens when a bill payment fails
  23. Weekends, bank holidays and payment processing times
  24. Estimated bills, back-billing and catch-up charges
  25. Priority order for bills in a short month
  26. Moving due dates to sit after payday
  27. Paying annually or monthly for each yearly bill
  28. Late fee and returned payment audit
  29. Moving scattered direct debits onto one account
  30. Smoothing seasonal bills across the year
  31. Card replacement update list
  32. Recovering credit balances and overpayments
  33. Paper or paperless for each bill
  34. Moving house bills handover
  35. New property tax year set-up
  36. Bills cover before a long trip away
  37. Bills check after changing your main bank
  38. Re-mapping bills when payday changes
  39. Bill responsibilities in your tenancy agreement
  40. Homeowner's fixed housing cost dates
  41. Leaseholder service charge and ground rent calendar
  42. First bills of your own
  43. Combining two bills calendars when moving in together
  44. Keeping an older relative's bills paid
  45. Bills on weekly or four-weekly pay
  46. Household bills after a death
  47. Daily balance projection for the bills account
  48. Bills continuity file for whoever steps in
  49. Second home or empty property bills
  50. Escalating a billing dispute to a complaints scheme

Where it starts.

Each project arrives with its purpose, milestones and first tasks written out. Here is how the first three read.

Master list of every household bill

Most households can name the rent or mortgage and the energy bill, then lose track somewhere around the twelfth payment. Pulling three months of bank and card statements into one list, with provider, amount, frequency, due day and payment method for each, gives you the raw material every other part of this area depends on. Expect 20 to 40 lines once water, insurance, phones and annual charges are counted.

First tasks

  • Download the last three months of statements for each account and card
  • Enter every repeating payment as one line on the master list
  • Add the frequency, due day and payment method to each line
  • Total the monthly committed bills, counting annual ones as one twelfth
  • Check the master list for new or ended bills @recurring(quarterly)

Bank mandate list matched to the master list

Your bank keeps its own list of every direct debit and standing order it will honour, and it often includes old mandates you forgot existed. Matching that list line by line against your master list catches dormant mandates that could be used again, payments set up from the wrong account and standing orders still paying an old amount.

First tasks

  • Open the direct debit list in your banking app and save a copy
  • Save the standing order list from each account as well
  • Match every mandate against the master bill list
  • Ask the provider about any mandate you cannot identify
  • Compare the bank's mandate list with the master list again @recurring(yearly)

Card-linked recurring payments map

Regular payments taken from a debit or credit card, often called continuous payment authorities, never appear in the bank's direct debit list, so they are the bills most likely to surprise you. Searching card statements for repeating merchants and adding each to the calendar closes the biggest blind spot in a bills map.

First tasks

  • Search a year of card statements for merchants that repeat
  • Add each card-linked payment to the master list with its card
  • Give every yearly card charge a renewal date on the calendar
  • Query any repeating charge you do not recognise with the card issuer

Make it yours.

Install Household Bills Calendar, then tell Aurum the date you're aiming for. It checks whether the plan fits the weeks you actually have.

Free · Mac (Apple silicon) and Windows · v1.0.0 · Other platforms

Blueprints are general information to help you organise your own work. They are not medical, financial, legal or other professional advice. See the Terms.