Bills you shouldn't let auto pay take care of

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Bills you shouldn't let auto pay take care of

Jul!a Jul!a
With the days of automated payments making things easier and easier to just "set and forget," there are still some things that you're better off paying manually. Even if you pay it online, it's still a good idea to make sure you're not letting it automatically pay each month. This article gives you some good pointers for why you might not want your utilities or cell phone payment to just automatically come out of your account.

While you're there, you might also want to check out what not to keep in your wallet.
08/02/2011
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Ivy Wilde Ivy Wilde
Definitely makes you think about things you don't normally worry about.
08/02/2011
ToyTimeTim ToyTimeTim
We only pay one bill with autopay, the internet, but that is the only way they accept payment. I much prefer the old fashion way of paying by mail.
08/02/2011
Petite Valentine Petite Valentine
Quote:
Originally posted by Jul!a
With the days of automated payments making things easier and easier to just "set and forget," there are still some things that you're better off paying manually. Even if you pay it online, it's still a good idea to make sure ...
Interesting article though I will disagree with one point in the "what not to keep in your wallet" list: when traveling abroad, keep your passport on you. In my experience many stores/banks will not accept the photocopy as I.D. Just be smart and carry it in a security belt, or something else that will be under your clothing and close to your skin.
08/02/2011
El-Jaro El-Jaro
I NEVER trust cell phone companies, utilities, loan companies enough to come near my bank account. Too many computer errors for my liking. I've had a cell phone carrier actually double-dip on a bill. When I complained, they told me that they'd just apply it to the next month and not to worry about it. I was livid! After speaking with a supervisor, they reversed it and I was able to eat that week.

I do have one bill automatically coming out, my car/renter's insurance. That's for the discount and I have had a great experience with them. I also don't use checks.
08/03/2011
P'Gell P'Gell
Although I do make some payments online I never autopay. I want to SEE my bills every month, to make sure they are precise.

An other problem with autopay is if you have an emergency and need to take money out of an account, and then forget you scheduled a payment. Then you have overcharges, and other bank issues. I have never bounced a check in my life, so I keep this up by viewing my bills before paying.

If we hadn't done this, we would have had no idea one of our kids was texting more than 100 times a day! This was before we had unlimited texting on our phones. Wow, was My Man angry. But, we never would have known if we had autopaid our cell phone bill.

As for what not to keep in your wallet, I agree with most of it. With the exception of gift cards. I'll lose them if I don't put them in my wallet. And with my health, I never know how long I'll be able to stay out when I DO get out, so if I get to a store which I have a gift card for, I'm glad its already in my wallet.

Good articles, though.
08/03/2011
Yaoi Pervette (deleted) Yaoi Pervette (deleted)
I avoid autopay like the plague. I've seen how many of these companies nickel and dime you to death and hope you just pay without going over the bill in detail.
08/03/2011
Jul!a Jul!a
I think my life insurance payment comes out of my checking account automatically, and the cell phone and storage go on the credit card automatically. I have them go on the card because that way if there is an error of some kind, I still have my money to use while it gets cleared up. That and when we set the payments up we were putting all of my money towards the credit card payments and figured that since it's getting paid that way, then whatever. Now I pay the card off every week or two, and still get the points from purchases lol.
08/03/2011
leatherlover leatherlover
I think the only one's that we have come out automatically are our auto loans, and that was so we could get a discount on the apr. We also trust the company fully, so no worries there. We did some other bills auto pay a while ago, but too often they were being payed the day of or even late, and we didn't like that.
08/03/2011
darthkitt3n darthkitt3n
I had to set my DirecTV payment to automatic payment so I would get the free HD service. They email me my statement every month about 3 weeks before my bill is due, though, so I am able to look over my bill before it charges to my bank account.

As for the other article, I don't keep a lot of that stuff in my purse or wallet. I never carry cash. My phone and any receipts I get go in my pants pockets. I do carry one gift card in my wallet at all times, though it is empty most of the time. I get a 10 cent discount per gallon of gas I buy with it, so I just refill it when I am getting gas.
08/03/2011
EJ EJ
Verizon. They added stuff to our bill without our permission...and never even bothered to notify us. We just happened to notice it while looking over the itemized statement one day.
08/03/2011
bayosgirl bayosgirl
I NEVER use auto-pay. I want to know what I'm paying for before I spend the money!
08/04/2011
ThoughtsAblaze ThoughtsAblaze
The only auto-pay I ever used was Verizon because they texted me when my bill was ready, and then text me a few days later when the payment was taken from my account. Sadly, I no longer qualify (their system won't accept my new debit card info, so it gets an error each month, which they read as my bank declining - very frustrating!).

I'm trying to be good and pay bills as soon as they come in the mail, but I'm a forgetful person. I'd like to not have to rely on auto-pay in the future.
08/04/2011
aliceinthehole aliceinthehole
Quote:
Originally posted by Jul!a
With the days of automated payments making things easier and easier to just "set and forget," there are still some things that you're better off paying manually. Even if you pay it online, it's still a good idea to make sure ...
super handy sam. thanks for the info! keep up the sleuth work. i'll kindly take my soc. sec. card and my passport photocopy out of my wallet. i had my soc. sec there for who knows what reason but my passport photocopy i travelled with when i was overseas... dont need it here really.

you're awesome, again.


thanks for looking out for us!!

08/04/2011
Jul!a Jul!a
Quote:
Originally posted by aliceinthehole
super handy sam. thanks for the info! keep up the sleuth work. i'll kindly take my soc. sec. card and my passport photocopy out of my wallet. i had my soc. sec there for who knows what reason but my passport photocopy i travelled with when i was ...
I'm super bad and had my social security card in my wallet up until I got my name changed when I got married. Then I took out the old one and put the new on in our safe lol.
08/04/2011
married with children married with children
I have never used auto pay. I like to see what is coming in and going out of my account.
08/04/2011
deltalima deltalima
Quote:
Originally posted by Jul!a
With the days of automated payments making things easier and easier to just "set and forget," there are still some things that you're better off paying manually. Even if you pay it online, it's still a good idea to make sure ...
Whoa good to know.
12/21/2012
gsfanatic gsfanatic
Utilities, cell phone, and credit card, just so you can double check that there aren't any changes or surprise charges you should be aware of.
12/21/2012
Total posts: 18
Unique posters: 16