Please share your helpful tips ...what helps / helped you most when you started keeping track and paying your parent's or loved one's bills?

Wow. I lived through the same thing. Dad donating money to everyone, yet had no money to pay bills, late fees with the bank, secretive about his banking, losing passwords. “Luckily” he passed away suddenly and I quickly went to the bank (mom has dementia) and quickly ( I have POA) had accounts changed over to my name and now handle everything. The bank was super super helpful to me ( Wells Fargo)
I had my fathers POA as well while he was alive, and one day I was bringing in his mail and noticed an envelope from the attorney. I opened it. He was in middle of removing my name from being POA for both parents!! ( again, he wanted NO ONE knowing his business) Luckily I found the letter and tore it up, and he forgot all about it. He had dementia as well and was constantly driving and getting lost and ending up in other states. So scary! The police had to be called. I digress.
but major advice to you is to never write out checks for over $499.99.
otherwise you must jump through hoops to explain these if your parent must go into Medicaid.
when you pay anything write on the receipts the check numbers, the date paid. Save everything. Adopt a file system. Save every receipt. You may need to prove everything one day.
set up an office and copy every single important paper twice and keep one copy in your computer and one in your file cabinet. You cannot be too safe in having everything verified. Do your homework in finding and locating a good elder care lawyer in case you might one day need one and they may need these receipts one day. ( mine was a godsend)
if you have siblings they may or may not agree with your decisions. Hopefully you have the strength to know and do what is right for your parent and follow through. Too many opinions from siblings can make things difficult.

I had to do this for my mother with dementia. She was not paying her monthly bills and there were many late fees and shut off notices. As one reader suggested, online accounts and auto payments directly from his bank account is probably the most efficient way to go if you can get your father's cooperation. I also set up my mother's online bank account to monitor her finances for fraud or other discrepancies and well as check her balance. I set up the utility online accounts and I had all the notifications sent to my own email so I could monitor everything. The bill payment due notifications and the payment activity notifications all come to my email. I was able to set up the online accounts by myself by using the information from her bills. If you have basic computer knowledge, it's pretty easy and I did not have to call the utility companies. Every account is paperless now. One exception, I did have to call her insurance companies to set up auto pay because they had no online system. Initially, there's some work but then it's so much easier after that. I do have a POA for my mother and since you're dealing with your father finances it's probably a good idea to get one. It's pretty easy to do if he cooperates and you'll need a notary and a witness. You can hire one to come to your home. Good luck.

I scanned thru the suggestions and did not see anyone say to set up auto pay. Bills will be sent to an email, and auto drafted from his account. Set up the email/use his existing account and have the password so you can see the bills. Manage the account online to balance the check book and ensure there are funds to cover the drafts.

I did this years ago for my mother and did not need to invoke any POA. Rather, I just called each bill with her sitting next to me and she gave verbal approval for me to continue the conversation.

The only bill my mom writes a check for is her credit card. And, I set up an auto draft for minimum balance if her check is late so she doesn't get additional fees (the customer service agent suggested that to me, which I really appreciated). The auto draft cleans up mom's mail which was overwhelming her, and made bills simple for me to manage easily on my phone.

I feel sorry for anyone who is actually writing checks for routine bills in 2022.

Get a locked mail box and collect the mail . Get POA and see what's going on with His statements . I sort thru the mail and get rid of people looking for Money and other scams . Get the POA thru his bank that way they Know who you are .

Mmm777: Before I had to move in with my mother from out of state, I signed off on her town's bookkeeper to balance her checkbook. This individual was VERY inadequate. She was off to the tune of $659 FOR NINE MONTHS. My mother stated "She'll get it right on month number ten." My response "No, she is done; she is to balance on the first month." My mother was also sending way too much of her limited income to charity organizations when they called her on the telephone. I put a halt to that by placing a block on the caller. Also, one of her bill payments was lost in the mail. She automatically paid the late fee. I instructed her that she should not have done so as it wasn't her fault. In addition, she barely possessed $12 to pay the late fee and that I could have telephoned the company to waive the late fee, but it was a moot point as it was too late.

To help an elder (who’s appreciative), my husband has been systematically “helping.”

Signed up with the post office to get a photo of every piece of mail going to the mailbox.

Set up credit cards to send a text when a charge is made to the card.

Set up credit card online so he knows the login and password. 

Balance the checkbook in Excel which gives access to the statements. 

Grab the junk mail, call them and give them a new address (his) so he can trash it all.

Set up bills to autopay. 

Get every account number, login and password.

Add your own access, online, so you can see his bank account transactions even if you don't get your hands on the paper statement being mailed out.

If he has been bouncing checks or runs a low balance, I would not suggest doing automatic debits for bills. Tell dad his check bouncing is creating a problem at the bank and give him a debit card with only a small amount to spend. You can set up two accounts at the bank - one for the debit card for his personal use. If, by chance he gives that card number to some scammer, you can at least control how much would be stolen and it wouldn't clean out the main bank account. You transfer some money each month to that acct. The other account is the main account for bill paying. His personal spending won't come out of that; just the bills.

I have a ledger for bills. At the top are all of the monthly bills that have to be paid each month. I know when each one due bases off past statements. The middle section is monthly expenses that are autodrafts out of the account. I look at statement to see if there has been any increases in price that I need to monitor (I use a printer ink plan, take the newspaper, etc). The bottom of the list is periodic expenses so I can track them, such as annual club fees, annual supplemental med policy, quarterly pest control. quarterly lawn maintenance, etc). I created online accounts for each one of the bills and have a list of user ID's and passwords so that I can access all of these accts from anywhere.

This system has made it much easier for me to keep track of parent and my own bills so I don't forget about something. Even if the statement doesn't arrive by mail, I know it is due. (I never understood people saying their phone got cut off because the company didn't mail them a bill....I mean...you know you owe the bill every month even if you don't get the paper statement)

I would advise you to get your name added to his bank account. I did this as my mother is 93 and has dementia. She lives in a retirement home and is no longer capable of handling her finances. She was forgetting to pay bills so I arranged with the bank to have all bill payments come out of her account automatically. I can view her bank account on my cell phone so it's easy to check the balance, deposits and withdrawal. I give her money each week for her hair appt and extra for lunches out or whatever. Because of her bad memory and dementia we do not allow her to have checks or credit cards. That way if she were to get suspicious calls she has no credit card information to give out. You also should have a power of attorney document drawn up. I had POA for my mother prior to her moving into the retirement home. It's really important to have this document drawn up while your dad is still able to consent to it.

Definitely get the POA! I'm not an attorney but, without the POA, I think you're asking for trouble. With it, as long as everything's above-board and you keep good records, I don't think you'd have any personal liability.

When I started with my mom, I got her a credit card (you determine the credit limit) for all of her purchases. Also set up a checking account for her to use to get cash, donate to church, etc. I was able to keep an eye on her credit card and checking account by viewing them online and setting up numerous alerts ( daily balances, large withdrawals, etc.).
But all the bills were sent to me (including the one for the credit card) and were paid from the checking & savings accounts I set up for her at a different bank.
At first, she was somewhat hesitant, but over time she became very comfortable with the idea. She did insist that her SS check be deposited to her account, so every month I ask her if it's ok to transfer from her account to her other account so I can pay the bills. (Link the accounts to make it easy.) We settled on an approximate amount to keep in the account she controls; that amount has decreased over time as she's become more comfortable with my "taking care of everything" so she doesn't have to worry. I also put a credit freeze on all her accounts because of the scam issue.

If you haven't already done so, set up a system to track all of the accounts, passwords, assets & liabilities, etc. I recommend a planner titled "Get it together", which you can find on nolo.com; it's been a lifesaver! Good luck!

Since you are currently not his PoAs, show him how you have all your bills on autopay and then offer to do the same for him, if he is able to comprehend it. It's about trust but also "new" things. I have all my mom's bills that way but she still wants me to print out statements and show her what's going on with her account.

If he ever assigns you PoA (and my money is that at this stage, based on what you've added below, he won't) you will not be liable if you sign all forms correctly "as Power of Attorney". You are not liable for anything that you are not co-signer or joint on with him.

Getting him to stop driving can only happen if he is either cognitively incapacitated (and has a diagnosis in his medical records) or if there is actual evidence of dangerous driving (you drive with him or behind him and see stuff, or others have reported him). Being able to afford a car is another matter.

Please have a long conversation with yourself as to why you feel compelled to swirl the drain with him after you've been tormented by his chaos your entire life? Perhaps have a few sessions with a therapist, who can provide objective clarity and help you decide whether you have a co-dependent relationship with him and should disconnect. Many, many participants on this site can give you their personal experiences with this. May you gain peace in your heart through it all!

I assume in all of this you are now having POA for ALL financial.
When my brother was diagnosed with Lewy's (probable early) he made me POA and Trustee of Trust. We saw his lawyer and had all the airtight papers drawn up that no bank would question.
I was added to all accounts to manage them. I signed all bills with his name and with me as his POA or as Trustee on Trust accounts.
I had to contact each entity (insurance, car, electric bill, and etc, bank,and etc) one at a time, had to send all my papers, had to be added to account as the one managing the account and bills, had the bills sent to me.
I did not need to become SocialSecurity rep payee as his SS went into his trust account.
I kept a ledger of every penny into my brothers accounts (SS, interest, etc) and every penny out by bills, kept a folder for each bill. I had my brother keep a notebook with all his accounts (minus details) and all monies in and out on a monthly basis. He had a personal spending account, as he did not live in my area (though in the same state).
Even in an easy and well organized estate it was VERY VERY taxing. If you are not up to this consider a paid Licensed Fiduciary. Especially in the beginning it's a big job. Once the machinery is set up and well oiled it goes along pretty well, long as there are not properties, and etc.

If 'we' had been smarter, as the 'kids', we would have x-ferred all of mom's bills to online banking, cancelled all CC's, and then given her a cash allowance for groceries, etc. back after her 1st knee replacement when she was in a rehab for 6 weeks. She still writes checks and they are coming back as 'unreadable'--her handwriting is so bad. She is proud of the fact she can still write her checks and balance her checkbook and the FPOA is not going to take that away from her. So much has been 'taken over' and she feels marginalized.

BUT, she has shopped a lot from catalogs, then returns the items and won't pay the shipping and that has gotten her in trouble. Again--if she didn't have access to a couple of credit cards, this would not happen.

So, someday, I hope I am with it enough to know that I will need my eldest daughter to help me with finances. Right now I do the entirety of it and it's 99% online.

I can see, however, that someone who is not the least bit tech friendly would balk at not being to 'write checks'--and lose that feeling of control.

As others have said, if you wish to do this for him, get POA. Read up on what it means, to reassure you about how you can protect yourself. It does not mean that you will be liable for his bills, unless those bills are billed to you, personally. Bills with his name on them are his, and all POA does is allow you to spend his money and do business in his name, in his interest, to deal with his legal/financial issues. (A place to start: https://info.legalzoom.com/article/power-attorney-liable-debts ). It's like taking a job where you handle money at work: you keep records, don't mix money, don't put your name on anything that is his debt, etc. You can also refuse the role at any time, if you find it's too much.

If you don't wish to do this for him, then call your local Council on Aging/Aging Services and say that he needs someone to help take over his finances (needs a fiduciary). You don't have to take all this on if you can't - they can get someone else to manage this aspect for him. As someone else mentioned, no one can make him give up control if he is still legally competent, but CoA can help start a case for him and get him what help he'll agree to.

When I took over my father's finances, I did what others suggested: got POA, had him add my name to his one checking account, had checks made with both my name ([my name], POA) and his on them, got access to his email, set up online accounts for his bills, and then either changed the bills to paperless (notices coming to his email that I monitor), or changed the mailing address so bills come to me (don't change the name on the account, though - you want them to be charged to him, and you just pay them). I monitored his mail for several months, then had it forwarded to my home address to catch everything, contacting companies/agencies in his stead when I saw it was needed, to change mailing address/billing preferences. His money goes directly into the shared checking account (which only holds HIS money), and when bills come, I pay them online or via check from that account. Then, when it seemed he didn't need them (and that him having them at his facility was just an opportunity to lose them), with his permission I now keep his checkbook and credit cards with me. He has a small account with his AL facility for what little spending money he wants. This ensures that he has some spending money, but he doesn't need to remember to pay bills, and he has no way to get confused and give a scammer money.

Good luck. I know this is hard.

Is you Dad being allowed to remain in his home with the water off because that is considered a health hazard. Water is also a Township thing. Has he been paying taxes?

It helped me to be the ONLY one doing the bill paying, and all the financial work. My brother made me his POA and Trustee of Trust when he was diagnosed with Lewy's. I took on ALL accounts, all payments, all monies in and out and kept meticulous records of all for him when he was able to understand, and ongoing after. It would be impossible not to have complete control, or to have one doing something and the other repeating or redoing. My brother had his own spending account, which, if it were to run dry he would ask for more funds deposited. As it was he only GREW the account while he lived; he stayed true to form his whole life long as a saver careful of money. If your father doesn't wish you to take on all of it, then I wouldn't do any of it at all. He can work with a Licensed Financial Fiduciary to tell him what he wants him to take on and what he does not, and then it is all in their hands. If he won't do that he may well fall prey to scams. I STILL remember the day my bro called me and said "I know you reassure me and I have your accounting for this month that my Social Security arrived on the 4th and is in my account, but you you just reassure me, because I got a call from folks who say they are with Social Security and there's a problem on my account and they cannot put in my SS until I do as they tell me. It was easy to reassure him, but he was about to fall prey to the most common scam out there, one we are ALL aware of. And the amounts lost by elders to scams is horrific.
You can only protect your Dad if he allows it until/unless he is diagnosed as demented and unable to control his finances, and you get guardianship. That would be difficult and costly and a problem I would to be frank never take on. Just not up to it. I sure wish you luck. This was hard to do what with calling ALL entities, sending POA papers, etc, and that with someone wonderful, organized, and completely cooperative. I could never have done it otherwise.

I was already on my dad’s accounts when I went to the bank and switched all his banking to my control. He was in the hospital at the time and I told him nothing. I moved all his bills to be emailed to me, forwarded his mail to my home, and got all banking moved online. Once he was back home I showed him a 3 ring binder I’d made with all his monthly bills listed, amounts, date paid, and confirmation numbers. There was nothing hidden. I expected an explosion. Instead he accepted it, loved how he could see it all, and seemed relieved.

First, do you have POA over finances? If not, please get that in place immediately. You will want a durable or enduing, (name varies by jurisdiction) for his finances. While you are at it, get the Healthcare on put in place too.

Easiest is if you can fully take over the bank account and take Dad's cheque book away.

Set up as many of his recurring bills on autopay as you can. Make sure you are getting email copies of the bills or have online access to the billing company.

Do not pay any of Dad's bills with your own funds or out of your funds to be reimbursed. This creates a nightmare to unravel in the future.

I am a numbers girl. I love spread sheets, my local credit union allows me to download my banking information into a spreadsheet, then I can categorize everything.

To allow Dad to still feel he has some independence you can leave one account with a small balance for him to have access to. I woudl suggest just letting him have a debit card on the account, not a cheque book, as he cannot go into overdraft on a debit card.