Photo Credit: © Can Stock Photo Inc. / fgnopporn
I have a bank account that is solely used to pay my mortgage. In fact, I have several bank accounts for different functions—one where a portion of my paycheck is deposited for savings, and a joint account for my wife and me to manage everyday needs and bills—and then funds are divvied up for health benefits, investments, charity, and retirement. Each of these accounts is computer-accessible, and the codes to make such transactions are all different for security purposes.
We have forms for doctors, dentists, optometrists, drug stores, and insurance and tax references stored the same way; they can be accessed with codes entered online or on the phone. My job, my wife’s job, and my son’s school and his grades are also accessible in order to check hours, assignments, messages, etc. Hit a couple keys and the information is right there in front of my face.
On the morning after my pay has been deposited, I sit before the computer in the small hours of the dawn, paying bills electronically, therefore, no stamps, no envelopes, no checks, no money orders, or anything else to muss with. By the time I pour a cup of coffee and get in the car to head to the office, my personal budget is balanced and I’ve taken the right steps to keep the lights on and the house warm.
