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- Level up your bills: The smart guide to bill consolidation</p>
<p>Dana George for AchieveJuly 21, 2025 at 9:00 PM</p>
<p>Young couple organizing bills with a laptop. - Gorodenkoff // ShutterstockLevel up your bills: The smart guide to bill consolidation</p>
<p>Albert Einstein once said, "The only source of knowledge is experience." Going through the everyday challenges of life is how we learn. And there's something to be learned from every situation.</p>
<p>For example, looking at your desk or kitchen counter and seeing a stack of bills may be frustrating, but it's an excellent opportunity to explore solutions and gain knowledge. That way, the next time you're faced with a stack of bills, you can be confident that you have the situation under control.</p>
<p>Here, Achieve explores debt consolidation and how it could help you turn a stack of bills into a single monthly payment or at least cut down on the number of bills you pay each month.</p>
<p>Key takeaways:</p>
<p>The method you choose to consolidate bills depends on the specifics of your situation.</p>
<p>Your path out of debt may involve using several strategies.</p>
<p>When bills feel overwhelming, it's okay to ask for help.</p>
<p>What does it mean to consolidate bills?</p>
<p>Consolidating bills involves simplifying life by reorganizing how you pay bills, bundling payments, or using a consolidation loan to pay off existing debt.</p>
<p>What types of bills can you consolidate?</p>
<p>Just about any bill can be consolidated. Here are some common examples.</p>
<p>Recurring household bills: Utilities, insurance premiums, subscriptions, loan payments, home maintenance, student loans, and some payday loans</p>
<p>Medical bills: Consolidate outstanding medical bills from multiple providers</p>
<p>Credit card balances: Multiple cards with varying interest rates, including retail store cards</p>
<p>Ways to consolidate household bills without new debt</p>
<p>If your mind automatically goes to a debt consolidation loan when you think of bill consolidation, a loan isn't your only option. The dictionary definition of consolidation is "the act or process of joining things together into one." And that's what the following consolidation methods help you do—join multiple bills.</p>
<p>Bill management and payment apps*</p>
<p>If several bills have different due dates, it can be a challenge to keep payments straight. One way to make sure each bill is paid on time is to use a bill management and payment app. For example:</p>
<p>Chronicle is a free iPhone®, iPad®, and Mac® bill organizer app. It's like your personal assistant, reminding you when a bill is due, allowing you to pay bills online, providing you with reports and graphs, and promising to respect your privacy and never share or collect your data.</p>
<p>1Bill can be downloaded for free on iPhone and Android®. Like Chronicle, it has in-app bill reminders. The 1Bill app also makes automatic bill payments and even compares your current gas and electricity providers to others available in your area in case there's a cheaper option. With 1Bill, you can group multiple bills and pay them off simultaneously.</p>
<p>Bundling through service providers</p>
<p>If you've recently had internet installed, you may have heard about your internet provider's bundling service. Most telecommunications providers offer packages that include high-speed internet, streaming services, and a landline. Some even throw in wireless phone service as a fourth bundled item.</p>
<p>It's not just telecommunications companies that bundle, though. You may find that your local electricity and gas companies bundle their services.</p>
<p>Bundling is a great way to knock out several bills at one time, but it also comes with both pros and cons.</p>
<p>Pros and cons of bill bundling</p>
<p>Pros and cons of bill bundling. - AchieveThird-party bundling services*</p>
<p>There are also third-party concierge services that specialize in managing multiple bills from a variety of providers. For example, with a basic individual monthly subscription, SilverBills® will manage up to 20 payments per month for you.</p>
<p>While a bundling service could help you stay on top of bills, there's a fee. How the fee is structured depends on the bill-bundling company. Some are subscription-based, while others offer tiered pricing based on the number of services bundled. You also want to keep an eye out for hidden fees, like integration fees, setup costs, and transaction fees.</p>
<p>DIY bill organization</p>
<p>It's possible to set all of your recurring bills up on autopay through your bank—without spending a cent. Here are some of the advantages of autopay:</p>
<p>You can set up autopay and forget about it. No matter how busy you are, that bill will be paid each time it comes due.</p>
<p>Almost any bill can be set up on autopay, leaving you with few (if any) extra bills to pay each month.</p>
<p>Knowing your bills will be paid without any effort on your part leaves you more time to do the things that are important to you.</p>
<p>You can cancel autopay at any time. If you cancel a particular service or find it's no longer working for you, withdrawing from autopay is easy.</p>
<p>When consolidating bills means consolidating debt</p>
<p>If the size of your balances leaves you as surprised as the number of bills you receive, you may be ready to consider a debt consolidation loan. A debt consolidation loan could make life a little easier.</p>
<p>A debt consolidation loan works by combining multiple debts you're already carrying into a single new loan. Instead of paying each of those old debts separately, you're left with one payment each month.</p>
<p>Most debt consolidation loans have a fixed interest rate. You won't have to worry about the interest rate changing or your monthly payment increasing.</p>
<p>Pros and cons of bill consolidation</p>
<p>Pros:</p>
<p>Fewer due dates to track</p>
<p>Reduces the risk of paying late</p>
<p>Simplifies budgeting</p>
<p>Could move variable-rate debt to a fixed-rate loan</p>
<p>If you consolidate credit card debt, you could lower your credit utilization ratio and see a positive impact on your credit score</p>
<p>Cons:</p>
<p>Won't reduce your total bill amounts</p>
<p>Most people have at least some bills that they still have to pay separately</p>
<p>After you pay off credit cards with a new loan, there's a risk that you could run the balances back up on those cards</p>
<p>Steps to consolidate bills effectively -</p>
<p>List all your bills and due dates</p>
<p>Identify which bills can be combined</p>
<p>Use a bill management tool or autopay setup</p>
<p>Consider a consolidation loan if dealing with large balances</p>
<p>What's next?</p>
<p>Take stock</p>
<p>It's easy for bills to multiply while you're busy living your life. Sit down with all your monthly bills and figure out where you stand. Can your income cover your bills and you just need some help organizing, or is it a stretch to find the money each month to make on-time payments?</p>
<p>Decide what you need</p>
<p>Only you can decide on the next best step. As with any financial decision, weigh the pros and cons of each option, and consult a finance expert as warranted.</p>
<p>If you're still unsure of the next best step, talk to a debt expert who can answer your questions and help you come up with a winning strategy.</p>
<p>*Any mention of brand names and/or commercial products/services herein is solely for informational purposes. This article is not authorized, sponsored, or otherwise approved by the mentioned brands. Achieve is neither affiliated with nor endorses the use of these brands or their products/services. Any trademarks used are the property of their registered owners.</p>
<p>This story was produced by Achieve and reviewed and distributed by Stacker.</p>
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