Organize your bills so you don't miss anything out. You know, missed payments affect your credit score negatively. It's also a hassle because you risk interruption of service. You spend more because of late payment fees too. So use this journal wisely. List down the names of the companies you need to pay, the amounts and the due dates. Thank your organized self soon! | On Time Every Time by Activinotes Activinotes, Paperback | Indigo Chapters