I took to getting money orders through the post office for
paying bills... You have to have the money in hand... and
you get a receipt with a number you can quote to collection
department... and photostat if they are insistent.

I would quote the postal m/o # and tell them to correct
their records... that usually fixed things...

The only thing I really use a bank account for is a place
to deposit cheques... and I withdraw cash to see to things.

Perhaps I'm paranoid (grin) but the less that can be
tracked about you and your spending habits the better.

Bank accounts are prime sources for information about what
you do and where you go... That information I consider
personal... and so the m/o thing works.

This way... my bank account shows the money that I
deposited... and what I took out cash... That is not a lot
of information.... I am suspect of all kinds of personal
information being 'out there'... also... that information
is 'out there' for ever!...

Also... I have found that it takes a lot of energy to
resist the subtle insistence from financial institutions
for you to 'do things their way'.. which usually means it
will cost you money.

By withdrawing cash.. the bank(s) have no idea where your
money is spent and you don't get 'suggestions' about what
you should do based on information from your own spending
habits. I find that if someone knows personal information
about me.. and then makes a 'suggestion'... I am already
predisposed to entertaining it... That makes deciding and
thinking it all though harder.

The same goes for the Net. The less they know.. the less
they badger you... -grin...



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