We live with an HOA, for us it means a pool pass in summer, for them it means they get to waste money reminding me I have a terrible lawn.

Every December we get a booklet of 5 payment slips scheduled for the first of the month Jan - May. Now at first I tried to send in one a month on time..but well, truth is I am the least organized person I know, I hate clutter and disorganization, but I am not any good at it. Leaving me hating myself

A friend suggested I pay the full amount for the year in January and then forget it for a year, at the worst I would only pay one late fee! While I kinda thought that would be wasting my money letting them earn interest on it before it was due, but I also thought, given my organization disabilities, it would be better for us. So off went several yearly checks in early January.

Well this year I have my little book in hand, and my secret weapon...INg, I can schedule a payment right now for Jan, Feb, Mar, April, and May..and leave the money sitting in my savings account (or use excess OT) earning interest instead of paying early!

I love ING