I use cash primarily/exclusively for tips/gifts. I use 3 credit cards to pay all of our bills...except for those 3 credit cards, of course....from Dairy Queen to Real Property Taxes...and enjoy free airfare and hotel stays from the points earned. When I use PayPal, it is with my AMEX as the source of funds. The 3 credit cards are paid off each month.
I pay all of our bills electronically if given that option. My trash collection service is a mom & pop and does not accept credit cards, so I stroke them 1 check for the year at the beginning of year. That may be 1 of maybe 5 checks I cut all year, and very likely the only stamped mail I use all year.
I keep an Excel spreadsheet to manually keep track of monthly/quarterly/annual payments, and use the mailed bills only as a reminder to pay. I did not go paperless so that my wife can track everything thru the mail if/when I check out. The spreadsheet also tracks assets, and income that is all direct deposited. That 1 sheet contains all of the information I know I will need to file our State and Federal taxes.
I also keep a Quicken log that I download all transactions to.
