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Paying online - how frugal can you get?

June 3rd, 2006 at 02:34 am

As I was balancing my checkbook this week I noticed a major change to how the check register looked. That is, I now pay so much online, that I am writing very few checks each month. This transformation has taken place over the past three months, and now I can't imagine having to back and paying everything through the mail. Its so easy. Anyway, as I considered this, I figured this had to be saving me money. Here is a general overview of my online transactions.

Monthly:
Utilities - electric, gasCredit cards (Currently
four)MortgagePhone bill (land & cell)

Other periodic bills:
Water Bill (quarterly)House Insurance
(annualy)Car Insurance (semi-annually)Buy more DRIP
stock (about once a month)PayPal (hopefully not too
often!)Rebates (ok not a bill, but I file for one online about every month now)

Other things:
Direct deposit of payHalf.com sales are deposited
directlySet up Certificates of Deposit via direct money
transfersTax refunds are deposited directly

Looks like I am averaging about 12 stamps saved each month. That makes $4.50 saved right there. And no extra effort is involved, its actually less. Gotta like that! BTW, I didn't forget cable, as I don't have any. And by paying online I don't have to worry that my CC payments are on time, so no unexpected fees. So overall a definite plus to my finances.

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