For those who smuggly claim they wait as long as possible to pay, I still remember the study that showed those who pay their bills when they arrive are happier. In this case, a small amount of happiness can be bought. Electronic bill paying through my bank gives me the best of both worlds.In the old days I'd write the check to pay the bill when I received it, then write the "date to mail" in the space for the stamp on the envelope. When the day arrived I'd put the stamp on and mail it.Now when the bill arrives I schedule the payment for the due date and it's done. It probably doesn't amount to a dollar in interest earned over the course of a year, but I like it. I also like this system much better than authorizing automatic debits by the creditor. I've had problems in the past when I discontinued a relationship with a creditor, especially things paid in advance like cable and homeowners' association fees.Phil
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