Here is what I can’t figure out: why does my bank allow me to make electronic payments for free? I have all my account information with them and I can just log on, enter amount for the account I want to pay, and BOOM, done. I don’t have to write checks and payments both get there and get processed sooner. It saves me time, saves me money, and is way easier and faster. I just made two payments this afternoon. It took me all of two minutes.
OK, I do get why they make it free. It saves them time and money as well. I worked at an organization that processed payments and we encouraged people to take advantage of electronic billing and payments. Handling a paper bill and a paper check once it arrived too way more time and effort than having it enter the system on its own. Still, I keep waiting for the catch. Heck, we used to pay the day care center electronically through the bank. Since the center did not accept electronic payments, the bank mailed a check. I guess that worked better for the bank. It certainly worked better for me.
I do get a few statements in the mail still. The bill for one credit card we hardly use comes in the mail, for example. And I still make charitable contributions mostly by paper check. I buy many fewer checks these days. I am always surprised when I run out. I order those online.
In fact, I get most things by ordering online–clothes, Christmas gifts, bandages, seeds, flavored syrups, books, music, whatever. A while back I subscribed to a service called YourMusic, which sent CD’s once each month for 7 bucks each. Add CD’s to your queue and they get sent automatically. It is a good deal, except I had to get those CD’s in the mail. Now I just use iTunes. I rarely read a paper newspaper, either. I read it online.
I have been reading The Guernsey Literary and Potato Peal Pie Society. It consists of a collection of letters. I am fully engaged in the story. I want to be reading it right now, in fact. I have not yet given up paper books altogether (although I have enjoyed a few on my iPod Touch). I have realized by reading this book, however, that I never write letters anymore. I used to write scads of them. It used to be the thing to do when I was in my teens and twenties. Now text messaging has become the norm. Letters, however, have a tangible and emotional substance to them. They can be held. They last. I have stopped writing them, as have most people in the 21st century. This has its convenience and certainly saves resources. We do miss something by giving them up, however.
I don’t feel that way about bills. Send me an email notice and let me look it up through the magic of the internet. I get far more unsolicited crap in the mail these days than anything of use or worth. Thanks for your good work, I want to tell all these organizations looking for donations. I would love to help but I give to others and you don’t make the cut, so stop sending me mail. I tell them that often–I either send an email or just stuff the contents back in the return envelope with a note. Still, I’d rather they did not send me something I did not ask to receive. They would save a lot of money by not mailing me all that junk. They should talk to my bank.
I have plenty of paper files hanging in file folders, but I am trying to cut down. Do I really need those bank statements from the past seven years? I doubt it. Tax returns I’ll save, although it is unlikely I will need those either. One of my summer projects is to clean out the closet. I will pull out the recycling bin and drop it next to the closet and transfer contents from one to the other. And when I am done I will leave the dust on my journal and get online right here to tell about that exciting adventure. As if that is a good idea.