With the advent of on-line bill pay, paying bills on time should be a no-brainer. Recently, however, I've noticed that if you pay through your bank, you have a curfew time on the due date. For some companies, you have to click "pay" by 7 PM for it to count that day. Not that long ago, midnight was the cutoff.
I learned the hard way. It wasn't that the e-mail bill wasn't staring me in the face every time I logged into my e-mail account. I just figured I had time…why rush things? At 8:30 PM on the due date, I logged in to pay that bill and realized it would be late. Big frustration!!
A good plan is to just schedule payments soon after the bill arrives. Go into your account and click the date you want it paid. The money won't come out of your account until that date. You can then forget about it and not worry about late payments. It is a way to be organized and thus simplify your life.
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