Hi friends you're listening to the Money Girl Podcast I'm Laura Adams.

Before we get started, I'm excited to tell you about my new e-book, Moneygirls post-graduation

survival guide set yourself up for financial success. If you're worried about your financial

situation but aren't sure what to do or where to start, stop stressing. No matter

how much you earn or how much you owe, you can take control of your money and it won't be nearly as hard

as you think.

This special edition e-book will give you the guidance, tips and tricks you need to make the

most of your money for just a couple bucks.

Download your copy from online book retailers like Amazon, Barnes & Noble, and the I Book

Store.

Many people use online banking to check their account balances or to transfer funds between accounts.

But if you're not using your online bank account to consolidate and pay your bills, you're missing out on the best part.

How online bill pay works is pretty simple.

You enter a person or company you want to pay and the service sends your funds electronically or prints out a paper check and

mails it to the payee.

You can receive, view and pay, an unlimited number of bills for up to a year in advance of the due date on one website.

I'll discuss more about the security of paying bills online in just a moment.

Most large companies like lenders and insurers are set up for electronic payments so your funds can be received in a day or two when you use online bill pay.

But if you're like me, you also need to pay small companies or individuals who don't accept

electronic payments.

That's no problem because, as mentioned the bank's bill pay service

actually cuts a check, puts it in an envelope, and mails it to anyone in the

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