15 Bills You Should Always Put on Autopay
Keeping track of bills can feel like a never-ending game of whack-a-mole. When you think you’ve paid them all, another one pops up, and suddenly you’re scrambling to avoid late fees.
Autopay takes the stress out of the equation, ensuring your essential bills are covered while you focus on more important things, like deciding what’s for dinner. If you’ve ever missed a payment because life got busy (or the bill got lost in a stack of mail), these 15 bills deserve a permanent spot on your autopay list.
Rent or Mortgage
Your home is your biggest expense, so missing a payment isn’t an option. Whether it’s rent or a mortgage, setting up autopay ensures you never have to worry about late fees or awkward calls from your landlord. It’s peace of mind that your roof stays over your head—without last-minute scrambling.
Electricity and Water Bills
No one wants to deal with a surprise shutoff notice because they forgot to pay their power or water bill. Autopay makes sure your lights stay on and your showers stay hot, even if you’re too busy to think about it. Many utility companies also offer small discounts for setting up autopay, which adds up over time.
Cell Phone Bill
Your phone is your connection to the world, so keeping this bill on autopay is a must. Whether you’re texting, streaming, or calling for takeout, you don’t want service interruptions over a forgotten payment. Plus, some carriers offer perks or discounts for automatic payments.
Internet Bill
In today’s world, Wi-Fi is as essential as running water. Autopay ensures you never lose access to your internet, whether for work, school, or binge-watching your favorite shows. Because let’s be real—nothing’s worse than realizing your payment didn’t go through right before an important Zoom call.
Car Payment
Unless you want your car repossessed (yikes), this bill should be high on your autopay list. Missing even one payment can hurt your credit score and lead to hefty late fees. Keeping your car loan on autopay means you’ll always have a reliable ride without financial stress.
Car Insurance
Driving without insurance isn’t just risky—it’s illegal. Forgetting to pay could leave you with a lapsed policy, meaning you’re unprotected in an accident. Setting up autopay ensures you’re always covered, no matter what happens on the road.
Credit Card Minimum Payments
Even if you prefer to pay off your full balance manually, setting up autopay for at least the minimum payment is a smart move. It keeps your credit score intact and prevents unnecessary late fees. You can always pay extra when you review your statement, but autopay guarantees you never miss a deadline.
Health Insurance
Medical bills are expensive, and the last thing you need is a lapse in coverage because of a missed payment. Autopay ensures your health insurance remains active, so you’re protected no matter what life throws your way. Missing even one payment could mean denied claims or losing coverage altogether.
Student Loans
Student loans feel like a lifetime commitment for many, but missing a payment only worsens things. Autopay keeps your loan payments on track, helping you avoid late fees and potential damage to your credit score. Plus, some lenders offer a slight interest rate reduction when you set up automatic payments.
Gym Membership
Keeping your gym membership on autopay is a no-brainer if you’re serious about sticking to your fitness goals. Many gyms charge hefty late fees or cancel your membership if payments aren’t made on time. Whether you’re a regular or just keeping your options open, autopay ensures your access remains hassle-free.
Subscription Services
From streaming platforms to meal kits, subscription services can add up quickly. Autopay prevents service interruptions, so you’re never left wondering why your favorite show isn’t playing or why your monthly snack box didn’t arrive. Just make sure to review your subscriptions regularly to avoid paying for ones you no longer use.
Cloud Storage
Your photos, documents, and important files should be backed up without interruption. Whether you use Google Drive, iCloud, or Dropbox, missing a payment could mean losing access to everything you’ve stored. Autopay guarantees your digital life stays secure.
Pet Insurance
Vet bills can be shockingly expensive, so keeping your pet insurance active is crucial. A missed payment could mean losing coverage right when you need it most. Autopay protects your furry friend, no matter what mischief they get into.
Savings Contributions
Treating savings like a bill and automating deposits is one of the easiest ways to build financial security. Whether it’s for an emergency fund, retirement, or a future vacation, autopay helps you stay consistent with saving. Even small amounts add up over time.
Life Insurance
If you have a life insurance policy, missing a payment could mean losing coverage completely. Autopay ensures your policy remains active, protecting your loved ones if something happens to you. It’s one of those bills that’s better handled automatically than risked with forgetfulness.
Related: 15 Clever Hacks To Reduce That Never-Ending Grocery Bill
Managing grocery expenses can be challenging for many households, especially with rising food costs and fluctuating budgets.
However, with some creativity and resourcefulness, you can implement numerous clever hacks to reduce your never-ending grocery bill without sacrificing the quality or variety of your meals.
