Online Bill Paying

I track my monthly expenses so I am sure to have the amount I have spent available in my account. I use a credit card that gives me cash back for all my payments and make one payment to my credit card company before any interest is charged. I have been able to save enough money for free vacations to Disney World from what I have saved. Because I receive cash back each month I am also paying less than what I am being charged. The other advantage of using my credit card is that I am only responsible for $50.00 should someone get access to my account and fraudulently use my card number.