ANSWERS: 59
  • On-line with my card
  • On-line through my bank account - makes life so much simpler!
  • All payments by cash or cheque only. I believe Credit Cards are inducements to borrow and live on my future earnings.
    • Army Veteran
      Only for people who can't control their spending.
  • Bill Pay through my bank, it comes right out of my bank account.
  • I pay all regular bills online through my bank account. When I buy something in a store I use my debit card. When I buy something online I use paypal, which is arranged as a direct payment from a bank account. I have found it's easier to track my spending using these methods.
  • I use bill pay from my bank online. I have heard of people using their credit cards to pay the bills, then paying the card off each month so they could get the points for flying or whatever. I tried that once, but none of the companies I did business with accepted credit cards at the time.
  • checks.
  • Credit Cards.
  • Cash or check! On line Banking can be hazardous to your health.
  • I pay with cash.
  • I use credit cards whenever I can. I get a small bit cash back, but I also get a one-to-two month float on my money (before the credit card bill is due) and can be earning interest on my savings account until then. Also, it's an extra layer of protection. There's more of a paper trail for electronic payments, be they by check (which are now processed electronically), transfer, debit card, or credit card. I pay my credit card bill in full and on time every month, so I don't have to worry about interest.
  • credit cards...but I always pay off the full balance every month.
  • Internet banking of course
  • Same here. In the USA. I pay some with Internet Banking and some via PayPal.
  • I have most of my bills billed to a credit card that I pay off every month. That way I'm refreshed every month on what those charges are. Plus, I get a % back from the credit card company as a promotion. Then I just write one check each month to the credit card company. I'm not a big fan of having the bills taken out of my checking account, but that is just me.
  • I pay bills in cash.
  • i absolutley hate those 'direct debit' things..they have messed my account up a few times and now i absolutley refuse to have them, which shoots you in the foot because most companies charge you far less for paying by this system..
  • A pen, my checkbook, some address labels and stamps of course.
  • Prayer:):) and online banking:)
  • Rob Peter to pay Paul.
  • I get the bills and I pay them
  • First come..first pay.
  • I either pay over the phone or online. They make things so simple!
  • As soon as a bill comes in I pay it. I used to be all anal about "I'm keeping *MY* money as long as possible working for me in interest bearing accts and absolutely will not pay anything before I need to because that's throwing away money!" Eventually I grew up a 'lil and realized life happens, and all that effort tracking due dates to get another tenth of a cent in interest *will* be negated the one time you miss a deadline and pay a $5 late fee. Some of my bills allow credit card payment without any additional "convenience fees". All of those I pay with a card that's tied to a money market acct that pays me 1.5% cash back on all purchases when using the card as "credit" (not debit)...even though it's not a credit card. I need to have funds in the acct or it won't go through...that's ok tho, since it pays higher interest than my checking acct so I use it everywhere there are no fees for ringing up a sale as "credit". I have other bills that either don't take cards, or they charge some retarded convenience fee to use a credit card. For those, I use the free online bill pay from my checking acct. As for paying down bills on debt, I use the following method: My paycheck gets direct-deposited to my checking acct. I have a "baseline" amount I keep in my checking acct basically as cash reserve/emergency. I also maintain a similar "baseline" in my money market acct that pays me the previously mentioned 1.5% back on all purchases. Every payday, I top off the money market acct to my baseline, and anything remaining in excess of the baseline for my checking acct will go towards my remaining debt (vehicle loan...once paid off in a couple months the focus will be on paying off the mortgage). It is working well, it got me almost completely out of debt and allowed me to make a home purchase...which should also be paid off in 2-3 years. By that time I'll be used to dumping out cash on stuff I don't see (debt)...so once the debt is gone I'll continue to fork out those dollars...except I'll be forking them out to myself to compliment my retirement/investment portfolio. Sorry if it sounds like a brag post...but I kinda got on an unintentional rant when I started typing lol. I didn't know if you meant "How do you manage the timing of paying your bills" or "Do you pay online or mail checks" or "Do you float bills on credit cards and take advantage of the 28 day grace period land let you money work for you in the mean time", etc...so I figured I'd just ramble on and spew out everything minus the boring details of exact dollar amounts that will be different for everyone anyway.
  • I use online banking and autodraft for all of my bills, and have yet to experience any problems with that. What I like best is that I can go out of town without worrying that everything is paid timely, and I can check my account easily from any computer.
  • Direct debit and standing orders :)
  • i put bills before every thing they tend to be sooooo important, choose life and it god damn costs you in bills
  • Online Banking
  • online banking
  • Hiding then skipping town.
  • I use the online banking feature offered by my bank. I love it. Its fast, simple and I've never had a problem with it.
  • I use online banking . As soon as a bill arrives I set up a payment then I can forget about it.
  • Most of them are paid by check sent directly to the company. We have some insurance automatically deducted from our bank account and a car payment also. That's OK because we know how much it will be each month. We also started having the water bill deducted also. This one is variable but very seldom more that $50 or $60. Anything that is fairly large and can vary a lot is sent to us and we pay by check. It's better to question charges that way. Credit card bills are paid by check after reviewing the charge statements. Lets you decide if all charges are appropriate.
  • Everything is paid on-line these days. I haven't written a check in about eight months.
  • I use debit card only. Credit cards got me into trouble. I only spend how ever much I have!
  • Usually by money order. I do not have credit cards. Never have. Thought if I can't afford to pay then I don't need it.
  • cash money homie. why would you use credit cards. then you would be paying interest on your bills?? unless you pay everything off at the end of the month
  • By cash and credit card
  • Neither, I pay by check.
  • cash only - i have a credit cards for emergancy only
  • A bank standing order.
  • I only use greenbacks, I know there not over the limit.
  • Only direct debit, every bill comes out on the 2nd of the month so that everything i have left is extra cash. Plus, many companies give a percentage discount for paying with direct debit. Credit cards are the work of the devil and should never be allowed to exist
  • bank card, online
  • Both. I pay the bills with credit card to get the points and then pay the credit card bill with cash when it arrives.
  • OMG I'm supposed to pay those?
  • Credit/Debit card. Rent pay check.
  • Cash as I have never been able to afford credit cards.
  • Checks
  • cash. i don't have credit cards. lol
  • Credit Card, but I pay the credit card off every month, so it's like having cash, but i pay it all later and use the banks money.
  • I prefer cash!
  • Online shopping is of course paid by debit card. Local groceries are paid by another debit card. Both debit cards have set allowance put on each month. Pretty much everything else is cash. This month I had $250 dermatology bill. Budgeted for last month, taken from the bank savings account, and paid in cash.
  • I pay many of them with a "cash back" credit card. Then I send the bank a check at the end of each month.
  • Direct transfer from my checking account. I've scheduled payments to each creditor for a day or so after my automatic deposit. I make only one payment personally - my rent. This is also done online, it just isn't automatically paid. All I have to do is enter the bills that I pay in my checkbook, wait for the payments to be recorded in my online account, and then balance the books. It takes all of 5 minutes each month.
  • dont use credit cards
  • Debit card.

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