When you start taking responsibilities, that’s also the time you have given yourself the power to make positive changes with your life. At this point, you have the opportunity to identify things that you want to happen or need to do. Another most important thing? This could help you boost your self-esteem and have self-discipline.

One of the responsibilities you would encounter or have encountered already is managing your expenses like paying bills, budgeting, and the like. As we continuously facing these tough times, it is important also to note ways we can take to fulfill our responsibility which is safer and less hassle.

If you currently have a responsibility such as paying bills, you need to know why the Auto Debit Arrangement (ADA) could help you better in managing your bills and payments.

Auto Debit Arrangement (ADA) is an arrangement that you let your monthly payments or installments be deducted from your current or savings bank account on the recommended payment date which is 3 days before the due date.

If you are working and sometimes tend to forget about your monthly dues because of your busy schedule, ADA is the right one for you. Aside from it is convenient because you just have to wait for your bill to be deducted from your bank account, it is also safer knowing you don’t have to go outside during these times.

Since ADA is like a scheduled payment, you don’t need to worry about haggling to make it on your due date. Also, delayed payments could charge you for late fees. In ADA, the amount of your monthly payment would be deducted on time. You just need to make sure your current or savings account has a sufficient balance and has current funds.

You can avoid confusion with your payments when you have ADA. Since this is through your bank, your bills can be organized and viewed in one place. There are uncertainties like you would forget about your account number or the payment center teller accidentally had wrong inputs on your payment. ADA will help you feel confident about your monthly bills and payments.

This is one of the best parts of the ADA. You don’t need to spend most of your time waiting for your turn to pay, ADA will save the day for you. You will just wait for a monthly notification or email that your payment would be deducted from your bank account.

There are payment centers that usually charge service fees in every transaction you will make. Aside from ADA is safe and secured, additional service charges could be avoided when you use it.

Because you have the power to choose for your due dates, you can make your bills due on or near your payday. This is the time when you have the most money. ADA can help you balance your money, and budget throughout the month so you’ve got enough to pay your bills.

Taking responsibilities is such a special and needed skill, and it is like saying “I can handle this!” or “I got this!”. You can start little by little or thru baby steps. Home Credit values the courage you have on taking responsibility such as monthly payments. You can now manage your expenses wisely and properly by having an ADA with Home Credit. To know more about this, download the [My Home Credit App](https://revamp-pilot.homecredit.ph/Download-Home-Credit) now on Google Play Store.