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Automatic Bill Paying

When I first moved out of my parents' house and into my own, I had trouble paying the bills.

It wasn't because I didn't have enough money. I had a good job, and while my checking account was not overstuffed, it was healthy enough to cover my bills.

Automatic Bill PaymentI just never remembered to write the checks. Or, I would write the checks and not have any stamps. Or, I'd write the checks and have stamps but be out of envelopes.

The bills were always late.

One February, there was a pamphlet in my electric bill about whether or not my electricity could be turned off in the middle of winter.

I got cold chills, even though my electricity was still on.

I had to change something. Since my forgetfulness wasn't likely to change, I started contacting my utility companies. Almost all of them had programs where my bill could be deducted from my checking account automatically, on the due date.

Now, my mortgage payment is never late. My water bill, electric bill, car payment, student loan payment, and a plethora of others are never late, either.

Automatic payments have saved me a boatload of late fees, and they allow me to focus my attention on more important things, like my gorgeous baby toddler kid and my Dear Readers.

However.

I don't use my bank's auto bill pay service. They charge a fee per transaction or per month, and I'm not amenable to paying such a fee.

It was a little more work to contact each company individually, but it was worth it. Not a single one of my companies charges me a fee; the service is free.

Absolutely no charge. Plus, it saves me the cost of envelopes, stamps, and checks.

Automatic bill payment is definitely working for me.

Image courtesy of pfala on flickr

© 2009 – 2018, Tara Ziegmont. All rights reserved.

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8 thoughts on “Automatic Bill Paying”

  1. Great WFMW post. I love to pay online, these days. It is so handy and no postage. Although I felt slightly guilty about that one time. I was talking with a woman who works for the postal service. She said since so many people pay bills online as well all email and not snail mail, their business has declined dramatically. That is why they have lay offs and keep increasing the price of the stamp. I just never thought about all the other people effected by the use of online services. Oh well, maybe they can get a job with google. 🙂
    .-= Lisa@blessedwithgrace´s last blog ..Tempt My Tummy Tuesday… Texas Chocolate Sheet Cake =-.

  2. Great WFMW post. I love to pay online, these days. It is so handy and no postage. Although I felt slightly guilty about that one time. I was talking with a woman who works for the postal service. She said since so many people pay bills online as well all email and not snail mail, their business has declined dramatically. That is why they have lay offs and keep increasing the price of the stamp. I just never thought about all the other people effected by the use of online services. Oh well, maybe they can get a job with google. 🙂
    .-= Lisa@blessedwithgrace´s last blog ..Tempt My Tummy Tuesday… Texas Chocolate Sheet Cake =-.

  3. We use the service Mycheckfree.com. I pay our telephone, cable, internet, auto & house insurance, JC Penney charge and one credit card bill using that service. You can go to their website and search for billers. It lets me see every payment I have set up and make any changes necessary. Our bills have been paid on time for nearly five years and prior to this, it was chaos! I love that it’s free! (I think the billers pay a small fee to be listed with the service, so that customers don’t have to.)

  4. We use the service Mycheckfree.com. I pay our telephone, cable, internet, auto & house insurance, JC Penney charge and one credit card bill using that service. You can go to their website and search for billers. It lets me see every payment I have set up and make any changes necessary. Our bills have been paid on time for nearly five years and prior to this, it was chaos! I love that it’s free! (I think the billers pay a small fee to be listed with the service, so that customers don’t have to.)

  5. Isn’t it just RIDICULOUS that they charge? Kind of like way old school when banks wanted to charge for online banking. Hello! You want me to pay to never come into your office? Don’t think so!

    I’ve done online bills for years but had never set up auto pay until recently, when I dropped the ball a few times right after we moved. I’m a fan now – set it and forget it!

  6. Isn’t it just RIDICULOUS that they charge? Kind of like way old school when banks wanted to charge for online banking. Hello! You want me to pay to never come into your office? Don’t think so!

    I’ve done online bills for years but had never set up auto pay until recently, when I dropped the ball a few times right after we moved. I’m a fan now – set it and forget it!

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