For the majority of my life I have really struggled with keeping track of bills. It sort of goes back to the fact that in their natural state, my organization skills consist of at best piling everything into one giant pile to be “sorted later.”
Every time I try and organize mail or a stack of papers, I end up with either 1 stack, or 10,000 stacks which in the end are combined into (you guessed it) one giant stack. I think my ability to categorize might be broken.
As you can imagine, inability to organize papers has a slightly negative effect on keeping track of bills. “I know I remember putting in here somewhere” is a thought that I have had more in my adult life than I like to reflect on.
As far back as six years ago I heard people talk about auto bill pay but I honestly never put much thought into it because it either 1) cost monday or 2) I was scared of money being auto pulled. Now that I am settled in, out of college, married, and have a one year old I am realizing that…hey, my expenses are the same every month, and man is it a pain to call and pay 10 different bills. This coincides with the fact that recently Wells Fargo started offering online bill pay.
I took the plunge…and I love it. I get paid and my money automatically goes where it is supposed to go; bills, savings, checking, thin air. Ok the thin air one is the part that goes into checking. No late payments, no late fees, no forgetting anything, no overspending just steady as she goes. I will say this, I highly recommend centralized autopay. I can imagine many scenarios where I had things automatically pulling from my account and magically disappearing into thin air for years after I meant for them to stop. That one bit aside, I love logging in and seeing a nice list of my bills and ‘paid’ next to all of them. Except Qwest which likes to reject autopayments because, well, qwest has the worst customer service in the history of man kind. Just google qwest customer service sucks and you can read for days.
All said, auto bill pay lives up to it’s billing (I know, har har). Now go forth and autopay!