Very true. Open a local credit union account. Don't use a bank. Retain just enough of a balance to keep your account open. You can pay your bills at the bank by purchasing money orders, Or by ordering a check book from the credit union and paying bills at home. Post office money orders can also be purchased to pay bills. All of this requires mailing the letter using USPS. Yea, it's the old fashion lick the envelope and put a stamp on the billing envelope. It's really one of the best ways of paying your bills. The worst method of paying bills is by using the computer and a credit/debit card.

First thing to know is that there are plenty of options. You can work with your utility company and pay months in advance. Use the utility company as sort of a bank. Money sitting in a saving/checking account doesn't make enough interest to offset inflation anyway. Why not use the utility company for this purpose? My wife is always overpaying on bills and the extra amount is used toward the next month billing. One time we foresaw some economic problems and we decided to pay 3 months in advance on the gas/electric bill so we wouldn't have to worry about it if things got worse. Paying in advance will help eliminate paying every month. Mortgages can be amortized saving tens of thousands of dollars over the course of a 15/30 year plan just by paying more than your monthly mortgage rate. All of this can be worked out with your utility provider and elsewhere.