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Personally I've never used auto pay for anything since I'd rather not delegate that control. Once a month you sit down and do it manually. No different than credit cards, utilities, etc.

The mortgage payment is the same every month, so it can easily be put on automatic.

I recall reading an article about a woman that lived alone a number of years ago. She had died several years earlier. That she had died wasn't realized until her bank account ran out of money to pay the bills that she paid using her bank's automatic bill payment system.

If you no longer have the ability to manage your bills, it doesn't matter if you write checks or use an automated payment system.
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