I pay every week a portion of the bill thru online banking
Forget manual payments, we forget.
Balance transfers ex: 21 months
21 months is 90 weeks
$2500 / 80 = $31.25 - I send $35 for rounding sake.
I ride the lightening and never have to think about it.
I mentioned 80, I give myself a week off if I cannot swing it.
I have 10 freebie weeks to play with in that duration. Keep track!
Then when that balance gets low to almost done I choose
if I want to pay it all off.
Same thing for utilities/cable/cell phones etc bills.
Divide the amount by 3 and pay that each week.
Hasnt failed me yet and sometimes I have excess
credit. So it works in my favor. They can make some interest
on my money, I dont care. I will take a hit if im late and it
would take some time recouping.
It's funny to hear others say that the bills are due or
they're short $$ yada yada yada. I have no problems
no worries and can actually sleep knowing they're paid.
Overall it works.
I try to keep it simple...I use a calendar with reminders...works for me....