The only 2 checks we write now are one for the cash to fill envelopes and one to our church. Bill paying is so much easier with online banking, especially with a mortgage as our only debt and loan till payday from Florida. Dh and I still have ongoing conversations about what we’ll do when the mortgage is paid off. I would love to have it paid off by the end of 2017. We would still have to put back $$ for insurance and taxes but retiring that debt will free up substantial cash each month. We want to build a workshop in the back, possibly fill in the pool, and who knows what else!