Definitely switch to paying bills online! I used to get slapped with late fees all the time because I couldn't remember to send the bills in. Now a lot of my bills auto-draft. Or, if they don't I get email reminders. And you're obviously online often enough. It saved me lots in late fees.

I've been a little crazy with spending lately too. And I keep looking at this outfit I want online. I know I'm gonna break down and order it and it's way too $$....

(Okay, that isn't helpful, but at least you know someone can empathize!)

Good luck!
Sidony