I pay internet, TV, gas and electricity on auto pay but not utilities. Utilities has water and irrigation and there have been discussions regularly with what is charged so they are monthly payments by echeck. I have a Citizens debit/visa card which is neatly tucked away in my drawer as backup if I should ever need it. And I have one single credit card in my wallet. And a Sam’s club card. And cash for tips etc. For contractors/service people I use paper checks.
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