Hi, I know a fair amount of people are scared to use credit cards, but for those who are super disciplined and pay off their credit card bills every month, I would check into paying your monthly bills by credit card using auto-pay. I pretty much have all my bills set up to get paid by credit card. It saves me from forgetting to pay a bill, saves a TON of money on postage and I get rewards back from my credit card for all the money I 'spend' on my credit card. I guess the only downside to this is that you do have to remember to update the expiration date of your credit card with all the companies that you use the credit card for, but that does not occur very often. The way I figure it, my credit card company pays me a little bit of money every month to pay my bills!