That was my problem as well. I always thought, just a little won't hurt, or I'll make it up later. But we do the same, with bill pay it's so much easier and lot less stress now!

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If it wasn't on a clearance rack, it's not in my house!

I use Crown Financial's "Money Matters". I love it because it lets me track the balances of all my accounts (like quicken), but also has the feature of a digital "envelop system."