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I still write checks for most household bills, electricity, gas, insurance, etc... and use credit card and cash for most retail purchases. It only takes a few hours each month and the on-line banking site is still too flaky especially with my ISP service out here in the country.
I used to use the automatic deduction payment method for some bills but found out that is is easy to get them to start deducting and not so easy sometimes to get them to stop.
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