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How to use your 2019 Ledger

In a year, we have several big-ticket expenses that recur monthly or quarterly. Examples of these are rent, utilities like phone, internet and electricity bills, insurance payments, credit card bills, tuition, and the like. Granted our busy lives, it is easy to lose track of several due dates, and more often than not, missing payment deadlines often lead to penalties.

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How The Ledger was born

For plenty of new adults, managing their finances after graduation and upon entry into the work force is a tough challenge. Without a proper way of monitoring all these items, it is easy to lose track of where each payday’s payout goes, and before we know it, missed credit card deadlines result to additional fees and disconnection notices can stem from forgotten due dates. 

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