A family notebook for loan instalment dates and amounts

Many families hold loans from more than one society or organisation. They forget which instalment is due when and how much, causing delays or gaps in spending. In a notebook, write each loan's name, total, instalment dates and balance clearly. Keep the receipt after paying each instalment. At the start of the month, husband and wife check how much is due in total. You need a notebook, an envelope for receipts and ten minutes a month. If something is unclear, ask the society's staff.