Pay your monthly bills intelligently

A while back I was doing my normal monthly routine of monthly bill paying; it’s very boring and depressing, having to pay out MY money to these other companies. After I have paid all of my bills for the first half of the month which is about 8 of them I have paid out over $1300.00; I get to save my home mortgage payment for my second paycheck. After I have paid my bills, I am so down and out that I do not feel like doing anything. Then I got to thinking. What if I could skip paying one bill for one month and keep that money in my pocket to use for anything I wanted. So I started to see if that could be done. I asked some co-workers about this and they thought I was crazy. There is no way you can skip a monthly bill payment and get away with it. You don’t pay a bill, you get hit with late payment fees; and then you have to pay the last months and this month’s payment together to bring the account current. Believe me, I have missed a payment and it’s not fun. The bill collectors call day and night you asking “when can you pay this bill”, most of the time I do not even pick up the phone. So I kept thinking, there must be a way to avoid paying a month bill. Where there is a will, there is a way.
After many days and nights of thinking about this, I figured it out. There IS a way to avoid one bill payment and not get hit with any late fees. This was amazing. I made a 12 month calendar and marked my entire bill due dates and then I marked all of my days I get paid. If I pay my bills when I have money, which is my payday over time I can really skip a bill. This is way cool. The 12 month calendar showed me that if I paid my bills on my paydays, when I actually had the money. I could skip paying a bill a few months later. If I did this constantly, I could skip one of my bills one time each year. Remember I have to pay 8 bills every month. Some of them are small like only $20 dollars and some like my car payment is over $350.00. Wow, avoiding paying my car payment that is money I want to keep. I talked again to my co-workers, carefully explaining how to do this. Proving on paper that this does work and they still would not believe me. Well it’s their loss.
I have been doing this now for about 3 years. In June 2011, I was able to skip my mortgage payment and buy Disneyland annual passes for my family. In November 2011, I skipped my car payment and made Christmas a little more special for my entire family. This is not rocket science, anyone can do this, and all they need is a steady paycheck and pay your bills online. As the saying goes there are two kinds of people in this world, those that do and those that cannot do.
Currently I am selling this idea, with a total money back if you do not save at least $200.00 on bill payment. Goto my e-bay auction page to purchase this and to read more.