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    <title>Billy Blog</title>
    <link>https://billy.theboringbuilders.xyz/blog/</link>
    <description>Practical guides for tracking bills, due dates, subscriptions, and late fees.</description>
    <language>en</language>
    <item>
      <title>How to keep track of monthly bills</title>
      <link>https://billy.theboringbuilders.xyz/blog/how-to-keep-track-of-monthly-bills/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/how-to-keep-track-of-monthly-bills/</guid>
      <pubDate>Tue, 22 Sep 2026 00:00:00 GMT</pubDate>
      <description>A simple way to track monthly bills so nothing slips. Write down the name, amount, due date, and how often it repeats, then remind yourself until it is paid.</description>
      <author>Marco Davalos</author>
    </item>
<item>
      <title>Monthly bills checklist</title>
      <link>https://billy.theboringbuilders.xyz/blog/monthly-bills-checklist/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/monthly-bills-checklist/</guid>
      <pubDate>Sun, 20 Sep 2026 00:00:00 GMT</pubDate>
      <description>A household bills checklist covering rent, utilities, insurance, debt, and the yearly charges people forget. Use it to build a due-date list, not a perfect budget.</description>
      <author>Marco Davalos</author>
    </item>
<item>
      <title>How to avoid late fees</title>
      <link>https://billy.theboringbuilders.xyz/blog/how-to-avoid-late-fees/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/how-to-avoid-late-fees/</guid>
      <pubDate>Fri, 18 Sep 2026 00:00:00 GMT</pubDate>
      <description>Late fees come from missed due dates, not from forgetting the amount. Here is how grace periods, reminders, and autopay actually work, and what to set up so a bill does not slip.</description>
      <author>Marco Davalos</author>
    </item>
<item>
      <title>How to make a bill payment calendar</title>
      <link>https://billy.theboringbuilders.xyz/blog/bill-payment-calendar/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/bill-payment-calendar/</guid>
      <pubDate>Wed, 16 Sep 2026 00:00:00 GMT</pubDate>
      <description>Build a bill payment calendar from your due dates so you can see what leaves the account this week, this paycheck, and this month.</description>
      <author>Marco Davalos</author>
    </item>
<item>
      <title>How to track subscriptions</title>
      <link>https://billy.theboringbuilders.xyz/blog/how-to-track-subscriptions/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/how-to-track-subscriptions/</guid>
      <pubDate>Mon, 14 Sep 2026 00:00:00 GMT</pubDate>
      <description>Find the subscriptions already charging you, separate monthly from yearly, and set a reminder before the renewal so you can cancel the ones you do not use.</description>
      <author>Marco Davalos</author>
    </item>
<item>
      <title>Should you use autopay for bills?</title>
      <link>https://billy.theboringbuilders.xyz/blog/should-you-use-autopay/</link>
      <guid>https://billy.theboringbuilders.xyz/blog/should-you-use-autopay/</guid>
      <pubDate>Sat, 12 Sep 2026 00:00:00 GMT</pubDate>
      <description>Autopay is worth it for stable bills you mean to pay in full. It is a poor fit for amounts that change, payments you might dispute, and accounts that run close to zero.</description>
      <author>Marco Davalos</author>
    </item>
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