Hi Darling: Follow me on Instagram for More Info About My Upcoming Book! Click Here

Checks vs. Auto-Pay: FFF Week 1

It's Frugal February Friday here on Good Girl Style and I'm discussing finances every Friday during February. I'd love your two cents (or a dime or a dollar!).

I'm so old-school sometimes, even when it comes to finances. I really prefer to use checks and like the control they allow me to have over my finances.

Besides, any opportunity I have to "pretty-ify" my life, I'm all about. My old checkbook cover, the standard-issue blue one from the bank, was in sorry shape and I was in the market for a new, pretty checkbook cover. A store in my town happened to be clearing out Vera Bradley, and they had one lonely (LOVELY!) checkbook cover left for 75% off. I couldn't resist this amazing vintage-modern pattern (Cocoa Moss) and color scheme for $5. 

Now I may want to upgrade my checks from standard-issue bank checks to something like: 

Pretty Botanicals?

Are pretty checks more expensive? Nope. They are about the same, but with discounts offered all the time!
For new customers: 1-Box of checks: $5.50// 2-Boxes of checks: $11.00// 4-Boxes of checks: $16.50 and the 4th box is free ($1 more per box for duplicates)// Includes free shipping and handling Coupon Code: F4NB valid until 6/30/14

Using Checks
I think sitting down and paying my bills allows me more control over my finances and forces me to pay attention to where my money is going. Writing out a check helps me realize I'm investing my hard-earned dollars and gives me more awareness of my spending. You might be paying for a service you no longer need, but it's "out of sight out of mind." I prefer to sit down and see exactly where my money is going, to look at paper bills for discrepancies, see what services I'm actually paying for every month and have a record of it all (I love duplicate checks). And it's just somehow so satisfying. We all know I'm a mail girl, even if it's a stack of bills. 


Auto-pay or online bill pay is certainly convenient, potentially more environmentally-friendly, and saves on postage. If you ARE going the e-pay route, I personally wouldn't recommend the auto-pay option unless absolutely necessary and if you check up on it regularly. I have had issues with auto-pay when companies have double-charged me or over-charged me and I haven't caught it immediately. They love to sneak new charges in there. Paying all of your bills online is fine if you prefer it and remember to keep up with it. I have done this in the past, and for me it's just a matter of personal preference.

Are you a check-writer or an auto-payer?

*This post contains affiliate links, which means if you purchase from my links I earn a small percentage for referring you, but you don't pay anything extra for my two cents, promise!


Unknown said...

I do it of online and checks. I like the convenience of online but I also like pretty checks!

Simply Alexandra // My Favorite Things said...

Hi Natalie! Enter my very first blog giveaway, up now! :) You could win eco-friendly nail polish & handmade cabochon earrings. :) Good luck!http://simplyalexandramyfavoritethings.blogspot.com/2014/02/two-day-giveaway-valentines-day-2014.html -Alexandra

Simply Alexandra: My Favorite Things

Serenity said...

Yay, it's Frugal February again!
Personally I'm an auto-pay girl, but I think that's largely due to the fact that I already have a routine to do my finances twice a month. I can totally see how paying by check is a better option for seeing where your money goes, and so you can build those good financial habits!

Unknown said...

Hello Kitteh! Those are crazy adorable!

Pin It button on image hover