Being clever is a blessing in disguise!

This man got clever with his bill payments and saved around $15!

Let’s check out how he did it.

Mortgage sold to a company that wants to charge me $14.95 to pay my bill online. So I send them a check every week for 1/4th the amount instead.

I figured someone here might get a kick out of this.

Last year, for like the 6th time since we bought our house, our mortgage was sold to yet another company.

I’ve never been late paying it, have occasionally made extra payments, never had any issues.

This company was no saint!

But this new company wants to charge me a $14.95 “convenience” fee to take a payment online. This is absolutely stupid.

I can make a payment over the phone and pay another fee, or I can mail a check/money order for no fee.

Also, I can set up auto-pay, giving them access to my bank account, but that’s a hard no from me.

He figured it out!

So, I went online and my bank has a neat bill pay service where you can set it to repeat weekly, monthly, etc.

Took the monthly payment, rounded it up a bit, then set my bank to cut them a check every week for a bit over 1/4th the amount.

Doesn’t cost me a dime – I don’t even pay postage.

There are some pros and cons to it…

I’m sure the money comes out of the account a little earlier than the mortgage company actually gets it, losing me a tiny bit of interest or something, but man, it makes me feel better that for trying to charge me $15 for what is essentially an automated process for them, they now get to process 4-5 checks a month.

And, sure, I’m sure they have that whole process down to an art for minimal human interaction… but it’s not zero.

But definitely a win!

I really wanted to press my luck and send 1/30th of the payment every day, but I figured my bank might cut me off at that point.

Some companies will be a financial pain for you for no reason.

This guy did a great job to combat his issue!

Let’s find out what folks on Reddit think about this story.

This person shares their mother’s story.

This person finds this story odd.

This person has some important things to say.

This person gets furious over extra fee.

This person has another story to add.

Yikes! That’s a lot of scam stories!

People are really getting creative with avoiding extra fees!

If you liked that story, check out this post about a group of employees who got together and why working from home was a good financial decision.