Autopay sounds like the ultimate life hack—set it, forget it, and never worry about missing a bill again. But here’s the catch: not every bill is autopay-friendly. In fact, automating the wrong expenses can lead to overdrafts, surprise charges, and wasted money. Let’s break down the bills you shouldn’t put on autopay and why.
- Variable Bills (Like Utilities & Credit Cards)
Utility bills (electricity, water, gas) and credit card payments change month to month. Automating these means you could get hit with an unexpected high charge, draining your bank account before you even realize it.
What to do instead:
- Set a reminder to review your bill before paying.
- Use autopay for minimum payments only, so you avoid late fees but stay in control of extra charges.
Affiliate Product Suggestions:
- Bill tracking apps
- Budgeting planners
- Subscription Services (Streaming, Apps, Deliveries)
Ever signed up for a free trial and forgot to cancel? Autopay keeps taking your money, even if you barely use the service anymore.
What to do instead:
- Set calendar alerts to remind you before renewal dates.
- Use a virtual debit card that cancels payments automatically after a set time.
- Gym & Membership Renewals
Gyms love autopay because it keeps charging you even if you never go. The same goes for club memberships or professional organizations you don’t actively use.
What to do instead:
- Manually renew only the ones you actually use.
- Look for month-to-month plans instead of long-term contracts.
- Credit Monitoring Services
Good credit is essential, but paying for monitoring services? Maybe not. Many banks and credit cards already offer free credit tracking.
What to do instead:
- Check if your bank or credit card company offers free alerts.
- Use free annual credit reports instead of paid services.
- Medical Bills & Insurance Premiums
Healthcare costs aren’t always accurate. Medical billing errors happen all the time, and autopay means you could be paying for mistakes.
What to do instead:
- Review itemized bills before making payments.
- Call your provider if something looks off.
- Debt Payments (Loans & Credit Cards)
If you’re only paying the minimum on autopay, you’re letting interest pile up. Banks love it because they make more money off you in the long run.
What to do instead:
- Set reminders to pay extra on high-interest debt.
- Use autopay only for minimums, then manually pay more when you can.
Final Thoughts: Autopay with Caution
Autopay is great for fixed bills (like rent and internet), but not for everything. Take control by reviewing your bills before they drain your account!
