Darren New wrote:

> 
> More specifically, see what your grace period is and what your monthly 
> billing date is. Sign up for on-line bill paying at your bank. Complain 
> at them if it isn't free, or at least if it costs more than a stamp.


Yes I have to understand this grace period concept better.  I was under 
the impression that at say midnight of the day of the due date which is 
I think the 15th of the month, if I happened to have an amount owed 
showing, then I would be charged interest.  But if I put a transfer in 
to pay it before the deadline I would be okay.  So far, try as I might, 
I seem to forget to check at deadline time.

I do pay most of my bills online, but as onetime payments usually.




> 
> When you get the credit card bill, log in to your bank and set up a 
> payment of the amount you owe, to go thru several days before it's due.


Yeah I know, and most of hte time that works, it's just taxing for me to 
caonstantly remember.



> 
> Job complete.
> 
> More-organized people collect the mail, open the bills, and put them 
> into a little sorter with 31 slots in it, one for each day by which you 
> have to deal with that bill, available at all good office supply stores. 
> Then each day, when you pick up the mail, you look at which slots are 
> coming up and handle at least the looming ones if not all of them.


Wow! That's just way out of my league.  Even if I had the space for such 
a device my mail would start lapping the month.



> 
> Usually you have at least a week to pay any bills you get, often two or 
> three. So sit down once a week at a specific time on a specific day and 
> spend 10 minutes dealing with it, even if it's just writing the checks 
> and stamping the envelopes rather than working it online.

Gawd, shoot me now.


> 
> Failure to pay your cable bills on time is probably dinging your credit 
> card accounts as well.

Probably
> 


Thanks for taking the time, Darren

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