I'm not doing online bill pay. I've heard too many stories of someone signing up for this thing, and then before you know it, the company has charged 50 million bucks to your account because someone pushed the wrong button. Even those electronic check cashing things EVERY stupid business seems to do kinda scare me.
(All it takes is one misunderstanding, or someone withdrawing money from your account without permission, to rack up big dollars in overdraft charges at $35 to $50 each, depending on which checks you wrote where. And then good luck clearing that up. You know, that whole thing never made sense. You have no money in your account, so to penalize you, they're going to charge you more money that you don't have? Wouldn't it be better to pay a "bank deposit" kind of like an apartment deposit before you begin if this is the way it's going to be? Could you imagine your life's goal being to get to that ZERO on your bank statement? In the old days, you'd starve with some dignity or sell yourself into slavery or whatever other groovy options they had back then. You wouldn't have to show up at the food bank in your Mercades Benz and feel like an idiot that you bought one of those things because now you can't sell it for what you owe on it, might as well keep it while you eat that rice...)
Ok. So... has anyone else noticed that when you receive bills, you no longer have about a two-week period before it becomes due? Seems like by the time you GET the bill, you'd better have that checkbook and stamp ready or ELSE. I have the money in my account (by the grace of God), and I have a checkbook and some stamps, but gracious if I let my bill go for a week, I get hit with all kinds of charges. One month I charged $15 on a credit card. Then we got a $15 "finance" or late charge or something else that next month because it arrived there two days "late."
D says that I need to get my crap together. Well, he doesn't say that because he hates the word "crap," but he means that. He says if you owe the company money, they want their money RIGHT NOW. Fiiine. I wish I could pay a deposit or something and shut everybody up for a bit. I pay my bills every two weeks. I hate opening a bill and seeing a "due date" not ten days away. People go on vacation. People get sick. Life happens.
Do I need to say this again... I have the money. Paying back isn't the issue. I feel like these companies are trying to force me into online bill pay because it's becoming increasingly difficult to stay on top of all this stuff.
Was I on top of all this stuff years before and just having six children throws me a little? And how can I blog but not get my bills done?
I think it's all those little bits of paper and then finding the stamp and stuff. They want the account number written on everything. There are confusing directions. Lots of little "sign here for this thing I'm trying to trick you into" boxes or "check here to give your life savings to us" and I have to read that carefully. Sometimes I even find myself doing strange things like writing "June 23, 1984" on checks. GAH! Then I have to void the check and start again. (1984???) I hate to think of how scatterbrained I am that this happens to me. But I hate to think of "online bill pay" and how companies could take advantage of my scatterbrainied-ness and make things worse than they already are.
And have you read your bills lately? Seems there is some sort of "city extortion tax" and whatnot on all of them. "County fees" or whatever. Ok. I just pay them whatever they ask, but I have a feeling that I'm getting gypped somewhere. :]