Do you believe you are busier than you have ever been in your lifetime? Ask me that question, and my hand will go up. In light of an increasingly hectic schedule over the years, I have taken advantage of every possible convenience I could get my hands on. But you have to be vigilant and make sure said conveniences are worth any kind of trouble that my arise because of them. For example, auto-pay, while incredibly conducive to a busy lifestyle, can bring unnecessary headache into your life.