Do you lose track of when your bills are due? Changing the due date of your bills might help you avoid late fees and finance charges.

You can request to have a bill due on a particular day of the month. 

This can be helpful when planning your monthly budget.  Consider having all your bills due at the same time, but not when your monthly mortgage or rent payment is due.  Or split the month with credit cards bills due on the 10th and utilities (internet, cell phone, etc.) due on the 20th of the month.

Call your credit card issuer(s) or service provider(s) today to request a billing cycle that runs in tandem with your monthly plan.

For more money coaching tips and ideas on coordinating your bill paying, make an appointment with Diane Nissen Friedman by phone (201)447-1137 or email today.

The Dow Jones Industrial average (DJIA), commonly called "The Dow" or" Dow Jones",  is a price weighted average of 30 of the largest and most widely-held stocks.  Charles Dow started it on May 26, 1896 with twelve companies.  The companies are periodically changed to ensure the average reflects current leaders of the economy. 

Although, it is used widely as a barometer of how the "market" is doing, critics often note two major flaws.  It only represents 30 stocks out of more than 6300 on the major exchanges and, due to the weighted averaging, the largest stocks impact more heavily the total average (both positive and negative).

Trivia question:  What is the only stock from the original twelve still part of the DJIA?                                Answer