I like to pay my bills online (and on time), but I also use an Excel spreadsheet to tally up the damages. I enter all of the amounts due in one column, and then select all of those cells. Then I take a deep breath and click on that little icon that totals everything. Then I close my eyes.

I open one eye just enough to close the spreadsheet, without looking at the total. There is an old saying that says a fool and his money are soon parted, and I'm no fool!

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