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Just saw this old thread...can't help myself!

  I am lucky, I have a job where I make cash every day. My rent I usually pay mostly in cash, and my truck payment and phone and all of that I do online. This online banking thing is awesome, because I used to be terrible about sending stuff off in the mail!!

  I got very lucky this winter, I didn't fall behind. But I know which bills I can pay a little later if I have to do a little creative budgeting...