For my rent, I authorized my apartment management to take money directly out of my account on the first of the month. This means I no longer have to go to the post office to get a money order to pay the rent. I am a little anxious about this as I don’t like companies having direct access to my checking account. In addition, I pay my internet bill directly out of my checking account.
As for my other bills, when possible, I use PayPal for payments. PayPal uses a credit card to cover the charges, and this allows me to not have direct access to my checking account. All of my bills that don’t use PayPal, I use the card that PayPal uses to pay those bills. This means that one of my credit cards pays all of my bills.
Then once a month, I log into that credit card site, and I pay the card off entirely. This assures that I do not have interest that accrues for paying my bills. I am able to pay the card off entirely because I budget, and I know how much has to be paid.
As for smaller bills that are paid in person, I will use cash. For example, paying to have cleats installed on my shoes – cash. Co-pays for my prescriptions – cash. Groceries after using SNAP – cash. Well, you get the picture. As for cash I carry, I only carry what I think I will need in order to accomplish the goals at hand. If I am not sure how much I will need, I will carry my cash on hand, and my other credit card. This way, if something is more than the cash I am carrying, I can use my credit card, then pay my credit card. I try to not carry cash unless I need it.