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This is an interesting concept that we who get paid every two weeks can use, and most certainly must plan around.

So what do I mean by bill surfing?

Here is a list of typical bills for a household:

• Hydro
• Mortgage Payment
• Car Payment
• Property Taxes
• Natural Gas or Heating
• Cable TV
• Home Phone
• Cell Phone
• High Speed DSL Access
• Water
• Charitable Donations
• Life Insurance
• House Insurance
• Car Insurance
• Bank Service Charges
• Xmas Savings
• RRSP and/or RESP Savings

I trust this list, because I took it from my Monetary Statement (we can talk about that later) that I gave my wife to show her where all the money went (and other parts of our financial story). There may be things you can add (like a monthly loan payment) or remove (maybe you only have a cell phone and no home phone bill), but this is a good model to start with.

So what is Bill Surfing? Well you have monthly bills and 2 or three payment periods to pay them out, what do you think it might be?

Tomorrow: Surfing or balancing? Tomatoe or Tomato?

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