this seems a good idea for me to start doing:
Accountability
If you are trying to keep an eye on your spending, try this: Print the monthly statement of your online bill pay. Highlight the expenses that went to something besides the necessities (like shopping sprees, expensive nights out, etc). Take a look at everything highlighted and see how you could cut back. This is a great way to hold yourself accountable for your spending. The initial set up might be somewhat of a hassle, but once the initial time is invested, there’s not much to lose. Sorry Uncle Sam, but the times are changing! So save some time and sanity and get organized with online bill pay.