I have the same affliction. Back in my bachelor days I was constantly late paying bills. I often had the check written and in the envelope but no stamps so they'd sit on the pile until I "stopped by the post office."

I was like that when I was young. I didn't really care whether the bill was paid or not. I paid all the bills (read: WROTE OUT THE CHECKS) and mailed them. My attitude was whoever got to the bank first won! And reminder statements? Why keep 'em? If you haven't paid, rest assured, they aren't gonna let you forget. You'll get another statement later on down the line.

Now, however, I've been pretty scrupulous for the past 11-12 years or so. Everything is paid online. Even the landlord. Once, I was so fiendish about being sure MCI was paid that I accidentally paid them twice! But that was because their online statements were a month behind.

I hate to admit this, but I have real struggles with this as well. For me, it's more a matter of organization than anything else-- due to my current domestic situation there is a LOT more clutter around the house than I am used to, and every once in a while it comes back to bite me on the butt. There is also so much more junk mail to wade through, also!

I've been looking at some of these electronic bill paying services that my bank currently offers, trying to decide if I trust them enough to make the switch over.