When you're organizationally challenged and pay bills the old-fashioned way, it can be easy to lose focus on your finances. Once the cable company has been paid for the month, the bill usually gets shredded, filed or lost in a heap of paper. If the amount suddenly changes or there are any unusual charges to your account, you might not realize it for months. But if you pay online, you can see all your records and immediately know if something is amiss. And if you use a third-party bill-payment service, everything is all there in one place for instant viewing. It's like hiring a professional organizer -- for free!