WE SIGN UP FOR ACH (AUTOMATED CLEARING HOUSE) DEDUCTIONS THROUGH A BANK ACCOUNT OR CREDIT CARD ACCOUNT. THIS ALLOWS A VENDOR TO WITHDRAW VARIABLE AMOUNTS OF MONEY (e.g. variable dollar amounts for natural gas bills or electric bills). WE MAY ALSO SCHEDULE AUTOMATIC PAYMENTS OF CONSTANT DOLLAR AMOUNTS (e.g. loan payments or rent payments), OUTContinue reading “AUTOMATIC DEDUCTIONS AND AUTOMATIC PAYMENTS: BOTH ARE CONVENIENCES THAT LULL US INTO POOR HABITS AND COMPLACENCY.”