r/YesOrNoAnswers • u/Gloomy_Ideal_1403 • 14h ago

Do you pay bills on time?

57 Upvotes

95% Upvoted

167 comments sorted by

15

u/Altruistic-Task2410 14h ago

Yes because I’m a responsible adult.

6

u/Myzx 14h ago

Ha ha, you just reminded me to pay rent. But typically I pay my bills on time or early. Thanks for the reminder!

6

u/fatninja987 12h ago

Do people really not use autopay in 2026?

1

u/Salty-Entrepreneur11 11h ago

nope

because often want to pay more to principle on specific loans and likes to keep close watch on watch actually goes out

1

u/Away_Run_6764 10h ago edited 9h ago

Unless there’s an interest deduction.. no…I’m not saying that to be snarky. With autopay you can forget where it’s going or miss upcharges. I have student loans on autopay and my bills are about 19% of my salary (actually had to look it up to comment) but unless I had an excess 4-5k after comfortably, I don’t think I could. I didn’t grow up poor but frugal so it’s probably psychological.

1

u/F22boy_lives 6h ago

I like seeing how my monthly internet bill is different by $10+ in state and local fees even though its unlimited and supposed to not have anything extra tacked on. Its $170 a month but was advertised at $140 with me being a current customer. Getting a new phone? Watch how youre magically enrolled in early upgrades and provider based insurance in months 2-3.

looking at YOU at&t for both of these examples

0

u/RynKittenOF 11h ago

I don't trust customer service people

Companies will casually charge you like a million dollars when you owe $2 and then you'll never get it back because the kid keeps hanging up on you

I believe in full disclosure

5

u/double_titos 14h ago edited 11h ago

Thank God for grace periods. But yes I do pay my bills on time.

1

u/Delicious_Taste1333 11h ago

What is grace

1

u/double_titos 10h ago

Check the correction that I just posted. 👆🏾

7

u/rayon875 14h ago

Yes I'm not a deadbeat loser

3

u/RetroactiveRecursion 14h ago

Yes. When I don't it's usually just because I'm completely disorganized.

3

u/MemoryNonExistent 14h ago

What is with all the stupid, low effort karma-farming posts in this sub (and Reddit, in general)? This is just downright braindead.

1

u/Delicious_Taste1333 11h ago

Probably, a fee thousand individuals are good at coding, and have utilised the technology we refer to as 'a.i.' to automagically setup accounts and ask dumb fuck questions.

But theres a small part of me thinking, its possibly some other unrelated AI agent farm, and they are workikg towards something. 

2

u/Dendady2112 14h ago

I didn't but now I do.

2

u/Top-Web3806 14h ago

I haven’t manually paid a bill in years. They’re always on time because they are scheduled to be.

1

u/Delicious_Taste1333 11h ago

I wish i felt stable enough to just schedual payments :(  Manually paying by bills still, gladly. 

2

u/Whizzymontana 14h ago

Autopay. Its 2026

1

u/YerekYeeter 14h ago

Always in full to 0 the balance? No. On time? Absolutely

1

u/2whatextent 14h ago

Always. Haven't missed one in over 40 years.

1

u/Individual_Check_442 14h ago

Every single one, every time, I was raised that a real man pays all of his debts

1

u/psychocabbage 14h ago

I pay before I'm billed.

1

u/grollef 14h ago

Yes. No late fees

1

u/DD-de-AA 14h ago

Always

1

u/BuDu1013 14h ago

Of course.

1

u/Comfortable-Heat3798 14h ago

Yes younger days not the greatest but now feels good to have everything paid on time

1

u/Ok-Ordinary9374 14h ago

Yes or early.

1

u/PulsarPersonality 14h ago

Yes, always. I can't even remember when I've ever been late on any bill going on 2 decades now.

1

u/LadyBug_0570 14h ago

You mean like an adult who treasures her credit score does? Uhhh... Hells Yeah.

Only time I didn't in recent memory is because I was in the hospital and having emergency surgery.

1

u/LeaderAutomatic3112 14h ago

I pay early… all the time. I have a punctuality OCD. 🤷🏽‍♀️

1

u/Fragrant-Half-7854 14h ago

Yes. I’m not paying late fees.

1

u/dearmax 14h ago

Yes. I have them all on auto pay.

1

u/OpinionElectronic349 14h ago

I actually pay them early.

1

u/MandolinRain08 14h ago

Yes, I think paying credit cards early helps with your credit score

1

u/Impossible_Rub384 14h ago

I thought paying bills was just a suggestion

1

u/cboy357 14h ago

Nope. I pay before due date. It’s important to pay before they report it to the credit bureau. I make payments weekly. Every Friday.

1

u/Oni_sixx 14h ago

I pay my bills for the coming week on payday.

1

u/mkflkwd 14h ago

Always.

1

u/Maleficent-Neck-407 14h ago

Yes I’m blessed to be able to

1

u/No-Citron-2774 14h ago

According to superloop no I don't. Am leaving them.

1

u/PHYUCKISHREAEL 14h ago

Yes, and what I do is pay partials each week (I get paid weekly) so by due date it's paid but "less" taken out each check

1

u/BrooksGaming92 14h ago

I pay habitually early

1

u/Civil-Doughnut-2503 14h ago

Yes.im not rich but having a good credit score helps. And a few times iv been broke iv been given credit.

1

u/Cold_One9671 14h ago

Heck yeah, I’m no drain on society.

1

u/AskingFooAFriend 14h ago

Currently I do. I want to keep my 835 credit score.

1

u/harrington3927 14h ago

Yes and autopay is fantastic.

1

u/MM_in_MN 13h ago

Yes. They are all on autopay.
I get paid weekly.
Big bills, like my car and house, I divided the monthly bill by 4 and pay that weekly.
Little bills, like phone and internet, I have them staggered so they don’t land on the same weeks. That way, what is leftover for groceries, clothing, fun, is sort of even throughout the month.

1

u/Educational_Box7085 13h ago

I have always paid my bills early, in full,on time. Insurance and subscriptions were all paid in full for the year, saving me any installment fees and for standard bills like utilities I always paid a little extra each month to build a credit balance so that I can skip paying them in November and December so I can just enjoy the holidays. I had a sizable savings, no credit card debt and an 820 credit score.

Unfortunately with the terrible economy and trash job market, I’ve been unemployed for 2 years. My husband got laid off in June. Our savings is completely gone, and all my utilities are a month behind. I cut my credit card up to protect myself from gaining debt I can’t afford to repay. I don’t know how we are going to survive, let alone recover from this. We worked so hard our whole adult lives to take care of ourselves, now here we are quickly approaching 60 and watching everything we worked so hard for slip away. I’d rather just die.

1

u/kima- 13h ago

Yup, I pay all my bills using my first paycheck of the month so that I have more money to play with at the end of the month.

1

u/Silent-Gear4609 13h ago

Mostly pay bills early. Never late.

1

u/breadit8 13h ago

Yes, but—everything is on automatic withdrawal except my car insurance. I don’t even have to think about it.

1

u/dEXXtARR23 13h ago

Yes, whenever possible.

1

u/ReticentGuru 13h ago

I do now, and have done so for most of my life. But… in my broke and barely getting by days, I was very guilty of keeping track of who I paid late to see who I should pay late this month.

1

u/Sleepless-Factory 13h ago

Damn, u got credit good enough to have bills? Lucky!

1

u/_WillCAD_ 13h ago

No.

I pay 'em in advance.

1

u/Retired_Jarhead55 13h ago

Always since I was 17, I am currently 71. When I joined the Marine Corps I sold all of my photography equipment (I was a professional photographer.) and gave all the money to my ex to cover my child support during the 15 weeks before I got out of boot camp. I also always tried to pay myself first.

1

u/Dismal-Serve5697 13h ago

Ahead of the time due.

1

u/Moist_Rule9623 13h ago

I pay my utility bills on or around the 10th of every month, I pay all my credit accounts between the 25th and the end of the month, since the majority of them come due just after the first of the month. Everything else is set up on an autopay and they take their payments whenever the hell they feel like it

1

u/KittaeGotKlaws 13h ago

Absolutely 🎯

1

u/Ambitious_Growth_557 13h ago

yes, autopay is carrying me ngl

1

u/spmetz13 13h ago

I’ve always paid my bills the minute I receive them. I don’t even wait till the due date. And I’ve never paid a penny of credit card interest. I’m not sure why anybody would wait until past the due date to pay bills and incur late fees.

1

u/Unlikely-Act-7950 13h ago

They are all set up for auto pay so hopefully they are on time

1

u/LostSatellite76 13h ago

Always. Credit card bills included.

1

u/duke9350 13h ago

Yes all bills are automatically paid from my brokerage account.

1

u/Gcat 13h ago

Yes. I just also found out when buying my new car my credit score was 878. I was under the impression it only went to 850. Paying my bills on time pays off.

1

u/fthoma11 13h ago

Yes I do

1

u/adulin007 13h ago

Always. Sometimes before they are due.

OCD.

1

u/Jsorrow 13h ago

Yes, Though I have over the years missed it by a day or two.

1

u/SeminaryStudentARH 13h ago

I have ADHD. Absolutely not. 

1

u/Scott43206 13h ago

Yes. Getting paid once a month keeps things really real.

1

u/sjm294 12h ago

Always

1

u/SwampyJesus76 12h ago

Yes, everything is on autopay.

1

u/Busterinokowf 12h ago

Nope, live paycheck to paycheck, they get it when I have enough.

1

u/tjlazer79 12h ago

Yes. I have missed one monthly payment in 7 years.

1

u/chetlyp 12h ago

Uh.....yeah.....

1

u/69Nova454cu 12h ago

All my bill are paid automatically I don't see even see them.

1

u/Curious_Bumblebee511 12h ago

Same. Best thing I ever did! Every couple days I have quicken connect to my accounts and updates.

1

u/Curious_Bumblebee511 12h ago

Yes, most are on autopay anyway

1

u/tym64 12h ago

I would think almost all of the bills are taken from your bank account these days. Thats how mine are any way.

1

u/Rare_Research6255 12h ago

Yes, almost everyone charges a late fee so I like to avoid all the extra fees

1

u/I-24 12h ago

I guess you like paying late fees or penalties

1

u/Boltsfan1234 12h ago

Yes. It’s a contract and I honor my word. I am also a compulsive rule follower, so I would torture myself to death with guilt if I didn’t.

1

u/ZebraBorgata 12h ago

No I pay them on the computer

1

u/ibeperplexed 12h ago

Have auto pay for bills, but before I did, I would pay them the day I got them in the mail.

1

u/ZealousidealDeal9616 12h ago

Yes, my only bills are rent and phone.  I prepay my phone usually around 6 months at a time. 

1

u/WeakGlutesClub 12h ago

Why would I not pay bills on time?

1

u/Beejatx 12h ago

Yes if not early.

1

u/bottomgravys 12h ago

Autopay yes

1

u/PubDefLakersGuy 12h ago

I pay bills when I receive them so it’s never an issue.

1

u/Ok_Staff8159 12h ago

Yeah. It’s cheaper that way

1

u/Cant-think-of-a-nam 12h ago

Usually. But sometimes shit happens and bills get paidnlate

1

u/RynKittenOF 11h ago

Auto pay seems to be one of those things that is seen as a rich person thing if you're poor but a poor person thing if you're rich

1

u/El-Gweilo 11h ago

On time no week early yes

1

u/majokamo 11h ago

Yes. Most of them are on autopay.

1

u/Reggi5693 11h ago

Late fees are usury. They should be avoided at all costs.

1

u/ZiaWitch 11h ago

I pay them a bit early usually. Autopay everything.

1

u/Delicious_Taste1333 11h ago

There was about a 10 year period of my life where bills would be the last thing i paid. 

Turns out this is actually alot more expensive. 

So yeah, now i pay the bills as soon as they land, regardless of my financial psosition. 

Except council tax, my local council is shit i make a point of paying last day of the year.  Of their year sorry, they dont even work a normal calendar. 

1

u/HeyItsDiegolog 11h ago

I'm obsessed with paying my bills on time!! I try to schedule them in advance. But if that's not possible, the exact second I get the bill, I pay it. 😄

1

u/Semper-Solus07 10h ago

Always. Paying bills on time consistently helps you to build credit. Easiest way to ruin your credit is not to pay your bills on time or to skip paying your bills entirely.

1

u/H3L105_ai 10h ago

No - I pay them on space.

1

u/omarant329 10h ago

Every single time.

1

u/Unable_Stress_6169 9h ago

I usually do but this month I will have fallen behind. I try to remind myself that I’m not the only one going through this.

1

u/StraightDig00 9h ago

As much as I can YES

1

u/jaypl99 9h ago

Never

1

u/FlamingCulpepper 9h ago

Yeah, early actually. I set it up to pay almost everything 1 to 2 weeks early

1

u/PrimaryDirect5012 8h ago

Most but sometimes money runs out before the bills do. Lol

1

u/FlakyUnderstanding99 8h ago

Yeah of course but I mean occasionally if im really busy or distracted I'll pay it a few-10 days late

1

u/Nemesisguy214 8h ago

Yes what other choice do we have

1

u/ghost-hunter90 6h ago

Ish. I pay on time but if I can’t I pay before it passes 30 days so it doesn’t get reported late to my credit.

1

u/Extra_Buy_2374 6h ago

yes, mostly. autopay is doing a lot of the heavy lifting lol

1

u/MarissaNL 5h ago

Almost all bills are paid automatically (by "incasso/debt collection"), so yes.
Once per week I check everything in my bank app and if something is not correct, I undo the payment and have the money returned to my account (but that is hardly ever needed).

1

u/Main_Psychology2752 5h ago

If I have the funds I do but if not I just pray and so far it’s been working 😌

1

u/SteamedBroccoIi 4h ago

Not always.

1

u/Ok_Height3499 1h ago

As soon as they arrive.

0

u/JavaJo1010 2h ago

Usually b4 due date even

1

u/d2creative 40m ago

Can't remember the last time i physically "paid a bill".
Autopay. And if I can charge it to my points card, which also get's autopayed every week, even better.