A monthly bill organizer can have quite a bit of benefits to someone wishing to maintain a good credit score and few financial hassles. A bill organizer allows you to make necessary payments on all monthly obligations on time when they are due. Not having an organizer in place and attempting to go solely by memory can lead you to making payments late or missing them. Doing so can mean collection actions penalties fees and credit score woes. Budgeting can also become easier with a monthly bill planner. By knowing how many obligations have to be met each month your ability to effectively manage a budget increases.