With online bill payment, you can get your bills out of the way with just a few clicks each month. Going through your bank may be your best option. At Wachovia, for example, bill-pay service is free.

1. Sign up online by providing your bank-account information. It can take several business days to activate the service, but then you can add bills by searching for the company and entering your account number.

2. Pay your bills a few days in advance to make sure the transfers go through in time.

3. Enter your payment amount and the date. You can set up automatic payments for recurring bills for which the amount is always the same, such as for a car loan, or set up e-mail reminders that a bill is due.

4. Click "Send Payment" and enjoy all the extra free time you'll have.

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