Wednesday, January 11, 2006

Oops!

This is not the first time. I forgot to submit payment for my car loan....again. What the problem with this is that I do not get the reminder monthly, I have to remind myself to pay. I was given this booklet with monthly payment stub, to put in the envelope along with my check, to mail monthly by the 15th. It is the 11th today and I do not think I have time to mail it out and avoid a late fee. Not only that but I also lost the payment stub too. What's the matter with me? My solution, basically, is to call my credit union who is in possession of my car title, to make a payment over the phone. It does not charge anything. In fact, it saves me 39 cents in stamp.

Speaking of stamps, I groaned when the Postal Office decided to increase the cost of the stamp again. That definitely is pushing me to pay bills online instead of thru mail. Several of my friends and coworkers are doing online bills but for some reason I like paying bills "physically" (i.e. via postal office).

All of my bills should be moved to online, except for my car loan and my mortgage. So that way I can decide how much I want to pay extra monthly. Although the mortgage should have an option for me to pay extra. I do not think Credit Union has that option of paying my car loan online. I'll have to push myself to find out and sign up for all online payments. It will definitely make my life easier, to make all of them automatic paid monthly. Hmm.

3 Comments:

Blogger David Fulmer said...

If you have Sidekick II, you can set the schedule for loan payments in Calendar, and use reminder settings to turn it on.

Isn't it grand?

7:11 AM  
Blogger Pamela said...

That's right. I did notice that feature last night but did not think about the payment reminder. Good idea!

9:07 AM  
Anonymous Anonymous said...

I pay my mortgage online, thru Wells Fargo, so your bank might be different. But Wells Fargo does allow me to pay extra, and even make additional payments whenever I want. There is also some good information on the current state of your loan online in many cases which can be helpful to view. It couldn't hurt to look into it.

11:06 PM  

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