If you've ever had the bad luck of checking your bank account on payday only to find you haven't been paid yet, you know just how frustrating a delayed paycheck can be. Luckily, the law is on your side. Most states operate similarly when it comes to paycheck laws, and all states (except Alabama and South Carolina) mandate weekly, biweekly, semimonthly, or monthly payments. That means if your employer misses a paycheck, they can be held accountable by law. If you want to know the exact payday laws in your specific state, you can check this list.

But before you worry about getting the law involved, first contact your employer about the lost paycheck. It's best to do this in person as well as in writing, in case you later need to use the email or letter as evidence. If they assure you your paycheck is in the mail, remind them that they are obligated to have your check in your hand by the designated payday, not just in the mail. Hopefully, the check will arrive soon, but if late paychecks continue to be a problem with your employer, you may have grounds for legal action.

But what if the check never comes at all? According to FindLaw, the steps to take in the case of an absent paycheck are as follows:

  1. Contact your employer (preferably in writing) and ask for the wages owed to you
  2. If your employer refuses to do so, consider filing a claim with your state's labor agency.
  3. File a suit in small claims court or superior court for the amount owed
  4. For larger cases involving a late paycheck or payday laws in general, consider hiring a labor attorney to help you.

The most important thing to remember in the case of a late or undelivered paycheck is that getting paid for the work you do is your right. There's no need to feel uncomfortable confronting your employer about issues of wages, and you shouldn't hesitate to consult a lawyer if you feel you're being taken advantage of by your employer in any way.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.