On Line Bill Paying...

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Using envelopes for note pads

Instead of buying note pads for things like grocery lists I save the envelopes I receive in the mail and use the backs to jot things down. I pay most of my bills on line so I get two envelopes out of each mailing ... the one the bill came in and the on for paying the bill.

Miscellaneous Fund

I have found this method to work for saving money: get envelopes and label them with your bills you pay monthly (ie mortgage, light bill, water bill, etc.) and label one envelope Miscellaneous. Each month put the amount you owe on the bill plus $10 in the envelope. Pay the miscellaneous envelope $20. Once you pay all your bills, move the money from the other envelopes to the miscellaneous envelope and watch your money build up!

Just Five Days

Many companies send out bills that are due on the 1st & 15th. Like a number of companies, mine PAYS on the 1st & 15th. Sometimes money going into my account wouldn't get in before the bills were due and I'd have a penalty or have to pay more interest.
I contacted ALL the people who bill me, including my mortgage company, & they have all agreed to make my bills due on the 5th & 20th. I had to climb a few "Customer Service" ladders, but now my bill paying doesn't cost me penalties or interest.