A Bills-Free Month

Chicken stir-fry.  A healthy delicious meal in minutes

How often have I wished over the years.....(sigh) how nice it would be just to have no bills for a month in a bid to try and get 'ahead'.  I can remember saying this to an old friend of mine (Bob), who replied  "Well lad, you can .... listen up now"  - so I listened-up-now and here is how it works.  It is not a trick or a gimmick.  It truly works.

We gratefully received an unwanted
20 litre barrel of concentrated
laundry liquid! This will last
forever especially diluted.

How To Have A Bills-Free Month Every Year

  1.  Take your budget and work out what each and every bill costs you for a full year - write that down.  (E.g. If water rates cost you $200 per quarter, then that would be $800 per year)
  2. Take each bill's yearly cost and divide it by 48 (yes 48).  Write that down next to each bill - this is the weekly amount you need to pay/put away against each bill.
  3. After 11 months of paying these amounts uncompromisingly against each bill, you will have either paid a month in advance on each bill or have 1 month's worth of money set aside for each bill.

Pop your washer onto the quick-wash
setting for clothes only worn in
the office. Saves time and power.

Other benefits of this method are:
  • No more late fees  - ever.
  • The small amount weekly is not a burden  - hardly noticeable
  • You get your 12th month free of bills (either paid in advance or the money sitting there ready to pay them).
  • If you start in January - you will have a bills-free Christmas/Hanukkah/December
  • If you start in February - you will have a bills-free New Years/January
  • If you start 11 months before a major holiday .... no bills during your holiday/vacation period!
  • You could even decide just to continue the regime into the 12th month and pay the bill money entirely off the mortgage (for instance).

Stockpiling is running low on some non-food items...

So essentially what this method does is; instead of dividing the year's  bills by 52 to get an accurate weekly amount, it divides them by 48 instead which gives 4 weeks less thus adding to the weekly figure slightly to create a totally achievable weekly scenario where you sneak ahead bit by bit every week in your bills.

Use plain water for overnight soaking - works just fine.

This method might suit you for other reasons that are relevant entirely only to you - but gee, it's worth a shot! Lean into this one folks, it just might be the 'thing' that shifts a paradigm for you - who knows?

Clean jars awaiting relishes, jams, yoghurt, dried goods, Kombucha,
lemon butter, candles......

Take care folks - stay nice

Mr HM 

A selection of wines and oils sitting on top of the kitchen cupboards


  1. My hubby was paid every 4weeks, so once a year he got two salaries in one month, we used the salary each 4 weeks as our monthly amount, and when he got paid the second time in the month, we used the money to book our holiday.

    1. Hi Marlene - Yes! What a great application of a similar principle. That reminds me of another post I will write one day about managing a monthly paid salary too.

  2. What a clever idea. I was just reading how the gap is growing between the haves and have nots. I think sharing tips like this is one of most positive things we can do to help each other manage in a period of time where growth in wages is so low and the cost of living is going up in leaps and bounds.

    1. Yep Sherri - even if it assists 1 person it is worth sharing. Bob is no longer with us but I am sure he would approve - it is wisdom from another age.

    2. Uncle Bob was a very wise man.

      (I presume I know who you're talking about)

  3. Ahaa, there you are! I was concerned when I hadn't seen blogs from you since before Easter, but here you have popped up with a different title. Phew, big relief, as I love reading your posts. Now to change/update my sidebar so others can find you from my blog. Cheers!


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