The easiest way to pay your bills on time, every time, is to not pay them at all. Instead, set up automatic payments. This option is usually free, but the real savings comes from the fees it prevents you from dealing with. Once your bill is late, your phone or cable company typically won’t chase you down with repeated emails to remind you that you’re late. It’ll be a month later when you realize the error and have to pay two months’ worth at once—plus late fees—putting a major dent in your financial plans. Setting up autopay prevents errors even if you consider yourself a diligent bill payer. Why mess with fate when you can avoid late fees for free?