Avoiding late fees seems like a simple way to save money; however, it these fees can sneak up on you. Make sure that you pay attention to due dates and pay your bills on time. One of the reasons that I use on-line bill pay is because I can set up future payment dates (and have the option to change them as financial matters dictate). If something comes up and your payment is going to be a struggle, often, if you call the biller, you can work out alternative payment arrangements. Being pro-active can work to your advantage, although continued payment issues will probably not work out well.