<prompt> Human: Am I 32 just turning into an old man afraid of adopting modern technology? I see how setting an automatic payment is great incase life gets in the way and you forget, however I am always nervous there will be some sort of computer error and now I am late. I hear every once in a while of the automatic payments people set up as not posting in time. How much of an issue have you guys had with this? And if you have had an issue, did the company waive any late fees andor late reports to your account?  <response>: Everything I can automate I have. and its AWESOME. My mortgage, credit card payments in full monthly, most utilities, insurance, netflix, ynab, etc. There are couple utilities and medical things I cant automate but I have the bill pay set up through my bank so its still easy. I LOVE NOT THINKING ABOUT MY BILLS!!! I keep enough buffer in my accounts so I just dont think about it. I deposit my paychecks directly into savings and have my major withdrawals from there as well mortgage and primary credit card. That way Im getting interest on that buffer. My husbands paycheck goes into checking and the rest of the bills draw from there. Smaller buffer there and I transfer the extra into savings every couple months.I havent thought about my bills in years. No issues. No late payments. 