[JourneyOfLife]

My main interest is paying the bills for the 'home' when snowbirding. But it occurred to me that everyone might have some input.


How do you approach paying bills?

Do you still pay bills the Old Fashioned way (paper bill/check)... or have you opted to Push payments (electronic you control) or let the service provider Pull payments (electronic they control), or a mix of both?


Any insights, tips, or comments would be appreciated.

[Bjeanj]

We paid all our bills online.

[Ecuadog]

Not snowbirds, per se, but we travel a bit. Paperless billing and "push" paying, using Citizens First Bank online banking.

I can't stand the thought of trying to straighten out "pull" payments gone awry.

Edit---> Just an afterthought. I do allow some utilities to auto-charge a credit card of mine so that I can collect the "mileage points." I do not consider these "pull" payments because I review the charges before "push" paying the credit card account.

[Fredster]

All of our utility bills are direct debited monthly. (Pull?)*
A couple others, checks are sent to them through my bank. (Push?)
No more bills paid by check through snail mail.
*Must say that I have not had any problems with debited (pulled) payments!

[Chatbrat]

So simple- we pay all our bills with credit cards or ach check debits--all payments are then on auto deduct from various accounts-we are on auto pilot and the beauty part of using credit cards is the cash back- we get 5%-1.65% cash back on all balances - and the balances are cleared automatically

[Kathrynsews]

Originally Posted by Chatbrat

So simple- we pay all our bills with credit cards or ach check debits--all payments are then on auto deduct from various accounts-we are on auto pilot and the beauty part of using credit cards is the cash back- we get 5%-1.65% cash back on all balances - and the balances are cleared automatically

Exactly what we do, not only when we are away from TV, but always. We also get nearly all our bills electronically. Very simple.

[CFrance]

We have had problems with automatic deductions in the past (having payments deducted twice and having to call the vendor and all that rigamarole), so I am not in favor of giving anyone access to our checking accounts. However, I love automatic deductions from our credit card (points or cash back and instant notification by email of any charge made on the card), or I visit the vendor's web site and authorize a one-time payment from the checking account, which has never caused a problem. I set up our church and monthly charitable donations as merchants and send them a check through online banking every month. The latest vendor to finally get on the digital bandwagon was Sumter County UCDD, or whatever it was called (now NSU, or some such) that will email a bill instead of mailing one, which was impossible to get & pay on time when we travel. Our hobby is travel, and thank goodness for the internet, e-billing, and online banking!

[Fraugoofy]

...

[thelegges]

All of our bills are paid on line, checks are only used for repairs

[rjm1cc]

In addition to above forward mail to you summer location.
Switch to a budget bill so each month is the same and then pay as you do now.
Pay a few months in advance.

[JourneyOfLife]

Did any of you determine that in certain instances, paper checks still make sense? IOW where did you "Draw The Line"?


At a certain point, adding "One More" Account/Credential (login) to maintain and monitor begins to be "more burden" than the assumed benefit. Then there is the growing number of Mobile Apps (if that is the device used).


Here are some examples:

A) Non-recurring bills that happen throughout the year - Doctors/Labs/Medical visits (remainder after insurance pays)
B) Yearly Recurring Payments - Home Insurance, Property Tax, other insurance premium
C) One-Off Payments In Person - Home Maintenance such as a New Air Conditioner Installed
D) "Maybe Payments" Quarterly or Yearly - Income Tax
E) Other situations you might have encountered

[thelegges]

Originally Posted by JourneyOfLife

Did any of you determine that in certain instances, paper checks still make sense? IOW where did you "Draw The Line"?


At a certain point, adding "One More" Account/Credential (login) to maintain and monitor begins to be "more burden" than the assumed benefit. Then there is the growing number of Mobile Apps (if that is the device used).


Here are some examples:

A) Non-recurring bills that happen throughout the year - Doctors/Labs/Medical visits (remainder after insurance pays)
B) Yearly Recurring Payments - Home Insurance, Property Tax, other insurance premium
C) One-Off Payments In Person - Home Maintenance such as a New Air Conditioner Installed
D) "Maybe Payments" Quarterly or Yearly - Income Tax
E) Other situations you might have encountered

A)Medical bills paid with spending account visa
B)use points credit card and pay off next month
C)we use a check under $300
D)direct deposit into account
E)credit card for points,nothing better than free vacations

[CFrance]

For a small local business, I will pay by check because the credit card company takes a cut of what I pay the vendor, and we like to support the local businesses.

Federal income tax is always paid by check, as is the accountant who prepares it. I like to pay my hairdresser by check because she works hard and supports a special needs child.

[Kathrynsews]

We write very few paper checks. All insurance and property tax payments are made online with the bank. Our regular doctor and dentist bills are paid online through the bank. Odd, small, medical bills by check, local small businesses, for home maintenance or improvements either check or credit card.

[ricthemic]

We r Snowbirds too (avoid the snow) Question, are the full timers "Sun birds"?' Head north to Avoid the heat July, August & September? Just wondering... "Sun Birds"