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PAY BILLS ON TIME EVERY MONTH USING A BILL PAYMENT SCHEDULE Not paying your bills on time is a big deal and one that could see you smothered in debt or even worse on the naughty list with creditors. Using a simple bill payment schedule will ensure that you know when your bills are due so you pay them by the due date. One of the biggest problems when it comes to late bill payments is that your credit rating can take a hit. Defaulting on a bill payment means you aren’t abiding by the rules of the contract set...