If your bank or credit union offers bill pay, log in to your online account and ... Also, for bills with variable monthly amounts, you'll need to remember to change the payment amount each time.

Careful consideration of these two factors can help ensure that you find a financially feasible and personally beneficial approach to reducing your monthly payments and consolidating your bills.

One issue that causes a lot of budget challenges is when most of your bills ... monthly bills. For example, let's take Marine Mark. He lives in the barracks, eats in the DFAC, and his take-home ...

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