I’ve been a huge proponent of online bill pay. I can’t recall the last time I mailed a check off to pay a bill.  It’s likely been years.  I pay our mortgage, utilities, HOA, credit cards, property taxes, everything online with Bank of America.
Well last month for the first time a check did not arrive.  [...]

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The age old question of whether you should buffer you checking account is one many people ask?  Honestly, I think you should have a buffer in a checking account.  But how much?
A lot of people say they take their checking down to $0 or $5.  Most people who do this, will pay their bills and [...]

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