I need a personal manager

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That's one of the reasons I get staff for a few hours a day 4 days a week, I can totally space out about it, or procrastinate until the last minute because of my executive dysfunction.

I hardly ever look at paper bills. If they won't send me an e-bill, I generally send them the same amount every month. So far it's worked out for me most of the time.

The only trouble I've run into recently was when I opened a new credit account at Lowe's, and then failed to notice the bills coming in that weren't already in the system. They called me when they'd had enough, and I caught up and squared it away.

There's something I'm not understanding here. You say your insurance ran out because you didn't make a payment or payments, and you didn't make payments because you didn't receive any bills. This doesn't make sense to me because I would think that you would know that if you pay your auto insurance in monthly payments instead of lump sum, a payment is due every month on or around the same date. This is the way we pay our auto insurance also, and our yearly insurance cost gets adjusted when the previous coverage year comes to a close and sometimes there is a change in the amount of the payment. Sometimes, it only takes 10 payments per year, which gives us 2 months when we don't have to send in a payment. Some people get auto coverage for 6 months at a time, others 12 months at a time.

So, what I'm saying is, you should know you have to send a payment every month whether or not you get a bill in the mail (for whatever reason) and they have to send you a cancellation notice by law, I would think. Unless, you have no sense of time at all, and a month or several months go by without your being aware of the passing of time and you think that the last time you sent them a payment was just a couple weeks ago. No concept of time or the passing of time is the only way I can understand how this might have happened.

I sort of have that problem with time myself, and before I started paying auto insurance through automatic withdrawal by the Insurance company every month on a fixed date, I too occasionally failed to send in a payment and had to pay late fees, but I always got reminders and late notices and then finally a cancellation notice. I can think that only a few weeks has passed when in fact, it's been a whole month or more.

I do have a warped sense of time(and space and distance). I have not received any warning notices of cancellation either. This is why I'm embarrassed. Looking back in my check ledger I haven't received a bill since September. I have a neighbor who's been ill and away for a few months. I wonder if those bills were put in his box. Getting someone elses mail happens. I have to talk to the company before I know what happened. It could be a glitch. But you're right, it is crazy for this to go on so long. And why did I just get notified by the DMV yesterday? I should have been canceled months ago.

I know what happened. I was lying in bed worrying and I suddenly remembered a letter I should have paid closer attention to. This is another problem for me. If I don't understand it my mind just switches off, I put it down to deal with later and forget about it. It's not technically a bill so it doesn't go into the system. At least remembering that saves me from a lot of hassle on the phone. I just need to find another company. I think the company I was dealing with eliminated collision only. Nothing can turn turn my brain into white noise quicker than insurance speak or credit card speak. I need to swallow my pride and take it to someone to explain it to me.

my car insurance is paid monthly electronically.It is automatically taken from my bank account by the insurance company electronically, so I don't have to worry about bills and going there to pay before they close.My rent is a defined amount and I know how much to pay each month and my cell phone is pay and talk. ..Much easier to manage this way.I just take my T-4 tax slips to H and R block and let them file them and send them to Revenue Canada.