For several years now I have banked on line and in one fell swoop can pay all our monthly bills. I do have a separate checking account for bigger bills - insurance payments, real estate taxes, estimated federal taxes and those I write out, but now that I think of it, that account (at a different bank) also has on line banking and I could take advantage of it.

For me it's a no-brainer to save .39 postage (and it's going to be going up too). I'm really surprised at the number of people who authorize payments to be withdrawn from their accounts. I'm too much of a control freak for that, and I could see problems in resolving discrepancies in what is owed, for example in a credit card account. Then too you have to remember to enter those amounts in your payment record.

It's only been recently that I started to use a debit card. Surprisingly I love it and wonder why I resisted.

One thing when using on-line banking one has to be aware of a change of address for the payee. When you pay by check the new address will be on the payment stub, but when you pay on line, you have to change the address of your payee. The companies never seem to bring a *change of address* to your attention and I have run into situations where they didn't get the bank check until after the due date (forwarding time I guess).

Come on, Pam, join the crowd. You'll love on line bill pay. Staci, take a fresh start and find yourself a nice bank with low minimum balance and on line bill pay. You are a bright young woman...you can do this.