I have a few that auto withdraw from my checking. The rest are almost always sent via my bank’s bill pay. Once you’ve added your various payees, it’s really easy to open the app and send them a payment. I prefer that over logging into various payees websites. I sometimes do that though for one off payments (medical bills) or if I’m late and need to pay it NOW.
Another option I sometimes use is to set up recurring payments from my bank’s bill pay system. So if I know my payment is $X every month but I don’t want them accessing my checking account, I tell my bank to pay the vendor $X every month by a certain day and also tell it when to cease sending payments.
Lastly, I went completely paperless several years ago because we were moving abroad temporarily. I still wanted to track things so I made a simple spreadsheet. Jan through Dec across the top, various payees down the side, sorted by what day of the month they are due. Every couple weeks I open it up and pay any that are coming up. I search for the email by typing what I know pulls it up. For example, “3734” finds emails from my Chase CC ending in 3734 (fake number for example’s sake). “Eversource” pulls up my electric and gas bill emails. I pay them from my bank app and then mark the amount in the spreadsheet. For the auto withdraw ones, I pull up the email statement and record the amount in my spreadsheet even though I don’t have to do anything to pay it. That makes me feel like I’m not losing track of the spending on those. I never put the amount in the spreadsheet until I’ve sent payment because that’s my method for marking it as done.
I also use to set up recurring $100 payments to my credit card each month to make sure I never get charged a late fee if I’m running late paying bills. But I have my main cc set up to auto withdraw now.
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