Bill due on a weekend or the 31st? Finding the real due date
Short answer: when a due date falls on a weekend, most payments go through on the next business day, but some come out the Friday before. Plan for the earlier date and you will never be short. A due day the month does not have moves to the last day of that month.
Why it matters
A payment that leaves on Friday instead of Monday can land before your paycheck clears. Users of bill apps complain about due dates being "silently moved" to another day, so it helps to know the rule yourself instead of guessing.
How to work it out
1. Find the nominal due day. 2. If it is a Saturday or Sunday, note both the Friday before and the Monday after. 3. Check your biller or bank: card and loan payments often post on the next business day, while automatic transfers may go earlier. 4. For the 29th, 30th or 31st, use the last day of short months.
Do the same for payday
If your payday falls on a weekend and your employer pays on the Friday before, that cycle starts earlier. Bills due that weekend now belong to the new paycheck.
Doing it with Monthkeep
In Monthkeep you choose, per item, to shift a weekend date to the Friday before or the Monday after, for bills and payday alike. The original date stays visible next to the shifted one, so nothing moves without you knowing.
FAQ
If a bill is due on Saturday, when is it paid?
Many billers and banks process it on the next business day, Monday, but some take it on Friday. Check your biller's terms and plan for the earlier date.
What happens to a bill due on the 31st in a 30-day month?
It usually moves to the last day of that month, the 30th, or the 28th or 29th in February.
Is my payday shifted too?
Often yes. Many employers pay on the Friday before when payday falls on a weekend, which changes which bills that paycheck covers.
Weekend-adjusted due dates: get Monthkeep (Google Play)
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