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no_hypocrisy

(46,110 posts)
Wed Feb 6, 2013, 09:56 PM Feb 2013

How will cutting Saturday letter delivery play out in your life?

Try the period between the issuance of your monthly bills and your payment will shrink. Without the Saturday letter delivery, you may risk having less than 10 days to find the money and get it to the creditor on time.

Let's say your credit card company sends out your invoice as it usually does. But it arrives at your post office on Friday afternoon, after your home delivery has been done. That bill waits until Monday, specifically Monday night when you come home. Let's say you even have the money ready and you mail the payment right away the next day on Tuesday. It isn't going out until Tuesday afternoon or night. That's a delay from Friday to Tuesday, more than half a week. Your payments may arrive past the date they are due, and you incur interest and late fees as a result.

It will Russian Roulette with your bills as some will be delivered Mon-Fri and others will languish for 3-4 days.

44 replies = new reply since forum marked as read
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How will cutting Saturday letter delivery play out in your life? (Original Post) no_hypocrisy Feb 2013 OP
No one sends me anything Puzzledtraveller Feb 2013 #1
I had a colleague once who mused Robb Feb 2013 #5
How is it that our govt. has enough money for defense Apophis Feb 2013 #2
More junk mail on Monday. n/t Agnosticsherbet Feb 2013 #3
There will be two days, instead of one, where I walk to the mailbox and smack my head like an idiot. Robb Feb 2013 #4
Probably get my freelance checks later Liberal In Texas Feb 2013 #6
I forgot about netflix! Even though ecstatic Feb 2013 #15
For me, it might make my rent late, since I mail it to my landlady... arcane1 Feb 2013 #7
If I got mail 3 days a week I would be OK with that. Motown_Johnny Feb 2013 #8
I would definitely be on board with this. bunnies Feb 2013 #31
Not by much. Considering we don't get our mail until 7:00pm. Saturday mail. madinmaryland Feb 2013 #9
It won't make a bit of difference to me Travis_0004 Feb 2013 #10
Won't affect me at all .... oldhippie Feb 2013 #11
I pay all my bills online, so it won't be an issue for me ecstatic Feb 2013 #12
Well, you're on a computer. HERVEPA Feb 2013 #13
Won't even notice. nt EastKYLiberal Feb 2013 #14
I hope Sat delivery continues. Liberal_in_LA Feb 2013 #16
No impact FreeJoe Feb 2013 #17
10-20 years ago I would definitely agree with you. tritsofme Feb 2013 #18
Not at all csziggy Feb 2013 #19
Little or no affect. nt greytdemocrat Feb 2013 #20
Your post makes me feel like I just visited a museum. (nt) Nye Bevan Feb 2013 #21
yes the old fuddie-duddies. kneel to the borg! HiPointDem Feb 2013 #23
Well, that was rude. (nt) Romulus Quirinus Feb 2013 #27
Oh, I really didn't mean to sound rude. It's more like charming nostalgia. Nye Bevan Feb 2013 #32
Well, that escalated quickly. (nt) Romulus Quirinus Feb 2013 #33
I have only one bill I pay by mail; I will now mail it a week ahead of time and check to see when HiPointDem Feb 2013 #22
Who pays bills by mail? Codeine Feb 2013 #24
this happens to my husband regarding his disability papers from his employer liberal_at_heart Feb 2013 #25
Won't affect me at all, just one less trip to the mail box n/t doc03 Feb 2013 #26
It wouldn't impact me. noamnety Feb 2013 #28
Saturday mail delivery? Canuckistanian Feb 2013 #29
It would give me one less small chore to do every Saturday morning slackmaster Feb 2013 #30
Nearly irrelevant. Electronic banking and billing. Buzz Clik Feb 2013 #34
I wouldn't have a problem with cutting back to Monday, Wednesday, Friday delivery FarCenter Feb 2013 #35
No impact at all. femmocrat Feb 2013 #36
If you make a living selling on the web this will impact customer satisfaction flamingdem Feb 2013 #37
I'm happy to wait until Monday for stuff that I order Nye Bevan Feb 2013 #40
No impact at all - lynne Feb 2013 #38
They could cut back to one day a week and it wouldn't change my life at all Leslie Valley Feb 2013 #39
My postman is horribly inept. ScreamingMeemie Feb 2013 #41
We've had no first class mail delivery healthnut7 Feb 2013 #42
I may have to drive an hour some months to pay rent. Lars39 Feb 2013 #43
Oddly enough, I almost never get any mail on Saturdays as it is. SheilaT Feb 2013 #44

Robb

(39,665 posts)
5. I had a colleague once who mused
Wed Feb 6, 2013, 10:03 PM
Feb 2013

...how he never got packages any more, and when he did they either smelled like poo or were ticking.

Robb

(39,665 posts)
4. There will be two days, instead of one, where I walk to the mailbox and smack my head like an idiot.
Wed Feb 6, 2013, 10:02 PM
Feb 2013

But you're also correct, there will be a necessity to send things a little earlier much of the time.

Liberal In Texas

(13,552 posts)
6. Probably get my freelance checks later
Wed Feb 6, 2013, 10:06 PM
Feb 2013

usually they arrive on Sat. and go to CU on Monday morning.

Also Netflix, if I forget to send off right away, won't be getting the movie for the weekend.

ecstatic

(32,704 posts)
15. I forgot about netflix! Even though
Wed Feb 6, 2013, 10:27 PM
Feb 2013

it seems like in the final days of my membership, they began to ship at a much slower pace, no matter how quickly I returned the movies. On average I ended up with 1 movie a week.

 

arcane1

(38,613 posts)
7. For me, it might make my rent late, since I mail it to my landlady...
Wed Feb 6, 2013, 10:07 PM
Feb 2013

and the day the check goes out depends on what day of the week my 2nd payday falls on.

Then again, I may not be a good example, since I've been meaning to manage my money better, so I don't have to rely on the timing of that 2nd payday

 

Motown_Johnny

(22,308 posts)
8. If I got mail 3 days a week I would be OK with that.
Wed Feb 6, 2013, 10:08 PM
Feb 2013

As far as I am concerned, the post office could cut costs by stopping by my house on Monday, Wednesday and Friday while going elsewhere on Tuesday Thursday and Saturday. Or vice versa.


Not having a delivery on Saturday does not bother me in the least.

madinmaryland

(64,933 posts)
9. Not by much. Considering we don't get our mail until 7:00pm. Saturday mail.
Wed Feb 6, 2013, 10:19 PM
Feb 2013

meh. We do most everything on-line.

 

Travis_0004

(5,417 posts)
10. It won't make a bit of difference to me
Wed Feb 6, 2013, 10:19 PM
Feb 2013

I use online bill pay, so I don't get, or mail any bills in the mail.

Even when I did, I never got a bill on Sat that couldn't wait a week to get around to mailing it.

I really doubt 1 day makes a difference.

Before it would arrive on sat, you couldn't mail on Sunday, so it went out Monday morning.
Now it arrives Monday morning, and it goes out Tuesday. The difference is one day.

 

oldhippie

(3,249 posts)
11. Won't affect me at all ....
Wed Feb 6, 2013, 10:21 PM
Feb 2013

I haven't gotten a bill or paid by mail in many years. All my bills are auto paid by my credit card and I get the bill for that on-line and pay it on line. Most letters I get are junk mail. I can wait until Monday for anything else.

ecstatic

(32,704 posts)
12. I pay all my bills online, so it won't be an issue for me
Wed Feb 6, 2013, 10:24 PM
Feb 2013

Even if you choose not to do recurring automatic payments, most companies allow you to see your bill online, and most banks offer online bill pay. Maybe some companies will provide an additional day for payment. If not, it's time to step into the 21st century.

 

HERVEPA

(6,107 posts)
13. Well, you're on a computer.
Wed Feb 6, 2013, 10:25 PM
Feb 2013

You can easily get the bill on-line, and get notified when it's available.

FreeJoe

(1,039 posts)
17. No impact
Wed Feb 6, 2013, 10:33 PM
Feb 2013

I generally only check my mail once or twice a week as it is.

With a few odd exceptions that are already programmed into Quicken as reminders, I don't get bills in the mail.

For me, the mail brings movies, magazines, an occasional package, and loads and loads of waste.

Are bill notices really that tight? It's been literally more than 20 years since I've both received and paid bills via mail, but I recall having 2-3 weeks from when a bill arrived until it was due. Has the time window really tightened that much?

tritsofme

(17,378 posts)
18. 10-20 years ago I would definitely agree with you.
Wed Feb 6, 2013, 10:36 PM
Feb 2013

These days there aren't any bills we don't pay and receive online anymore.

csziggy

(34,136 posts)
19. Not at all
Wed Feb 6, 2013, 10:44 PM
Feb 2013

We check our P. O. Box 2-3 times a week, the street box maybe 1-2 times a week. Nothing important is supposed to be sent to the street address since the box is not visible from anywhere on my farm and the delivery person will NOT bring anything to the house. in fact, I am not sure they could find the house even if they came up the drive - they haven't yet.

Most of my payments are now done electronically.

Nye Bevan

(25,406 posts)
32. Oh, I really didn't mean to sound rude. It's more like charming nostalgia.
Wed Feb 6, 2013, 11:14 PM
Feb 2013

Writing letters to your family with beautiful calligraphy, writing some checks out and sealing the envelopes, and strolling into town to drop everything off at the post office, is evocative of a simpler, slower time.

 

HiPointDem

(20,729 posts)
22. I have only one bill I pay by mail; I will now mail it a week ahead of time and check to see when
Wed Feb 6, 2013, 10:59 PM
Feb 2013

it's delivered.

I am resisting any kind of electronic funds transfer by corporations.

liberal_at_heart

(12,081 posts)
25. this happens to my husband regarding his disability papers from his employer
Wed Feb 6, 2013, 11:04 PM
Feb 2013

Every so often we get a letter in the mail about when he has to resubmit paperwork from his doctor declaring he is still unable to work. Sometimes we get the letter just a day or two before the papers are due. There is a part of me that wonders if they do this hoping to make us late just so they can deny his disability. It can really come down to the wire sometimes.

 

noamnety

(20,234 posts)
28. It wouldn't impact me.
Wed Feb 6, 2013, 11:06 PM
Feb 2013

I don't have any bills that arrive at the house so close to the due date that responding Tuesday instead of Monday would matter.

Edit to add: My bills are paid online mainly, but I recognize it's a matter of privilege to assume everyone has that level of financial stability. I've got some friends with no bank accounts. One cancelled his because he had an emergency $50k medical bill he couldn't pay. Now he's afraid if he deposits a paycheck the debt collectors will find a way to garnish it. His "savings account" consists of a stack of 10-20 paychecks he hasn't got around to cashing yet.

Canuckistanian

(42,290 posts)
29. Saturday mail delivery?
Wed Feb 6, 2013, 11:07 PM
Feb 2013

We've never had that in Canada. Not in my lifetime at least.

I didn't realize it was done in America.

 

slackmaster

(60,567 posts)
30. It would give me one less small chore to do every Saturday morning
Wed Feb 6, 2013, 11:10 PM
Feb 2013

Sifting through the mail looking for things that matter, and putting the rest in the recycling after tearing out the pieces that have personal information such as my name and address.

 

FarCenter

(19,429 posts)
35. I wouldn't have a problem with cutting back to Monday, Wednesday, Friday delivery
Wed Feb 6, 2013, 11:39 PM
Feb 2013

provided that they deliver Tuesday when Monday is a holiday.

Most bills are paid electronically. So any delay in getting the statement is more than made up for by the speed of initiating the payment on the net.

femmocrat

(28,394 posts)
36. No impact at all.
Wed Feb 6, 2013, 11:39 PM
Feb 2013

We have to pick our mail at the P.O. Since it closes at 11:00 on Saturdays, we let it sit there until Monday anyhow. I'm still sorry to see Saturday deliveries end though.

flamingdem

(39,313 posts)
37. If you make a living selling on the web this will impact customer satisfaction
Wed Feb 6, 2013, 11:43 PM
Feb 2013

and all else that has to do with mailing back and forth.

Many millions depend on the Post Office to make a living now.

The idea that they would have to use UPS or FEDEX, just forget it, 4-20 times the price.

Nye Bevan

(25,406 posts)
40. I'm happy to wait until Monday for stuff that I order
Thu Feb 7, 2013, 12:05 AM
Feb 2013

if it means I don't have to remove all the junk mail from my mailbox every Saturday.

lynne

(3,118 posts)
38. No impact at all -
Wed Feb 6, 2013, 11:47 PM
Feb 2013

- one less vehicle to dodge on the roads on Saturday so that's a good thing. As far as all the concerns about one day impacting your billing/payment cycle - that would be true if this was 1973. Most everyone now has the ability to check their bills online and make payment the same way.

 

Leslie Valley

(310 posts)
39. They could cut back to one day a week and it wouldn't change my life at all
Wed Feb 6, 2013, 11:50 PM
Feb 2013

I do everything online as it is. Even Social Security is eliminating checks March of this year.

I just got my Passport Card and it was delivered to the door by DHL.

In the last few months I have written 3 checks, one to the State Dept. for the passcard and 2 to my dentist in Mexico because he doesn't do plastic. The bank doesn't even mail out cancelled checks anymore. It's all online.

I have 2 GrandSpawn in the military, one in Germany and one in Japan, and between email, messaging, texting and Skype I can communicate with them anytime I want. Many times we do a 3 way video session. They have little or no concept of "mail call", it just doesn't compute to them.

healthnut7

(249 posts)
42. We've had no first class mail delivery
Thu Feb 7, 2013, 12:18 AM
Feb 2013

Apparently since 1968, the change was made here in Canada. No one complains we just know it is Monday to Friday.
Now I am sure at that time there were a lot of complaints. Mind you at that time there were a lot more letters being sent.
We get more junk mail then anything else since computers came in...

Lars39

(26,109 posts)
43. I may have to drive an hour some months to pay rent.
Thu Feb 7, 2013, 12:26 AM
Feb 2013

There's another bill or two I'll have to rethink on when/if to mail also.

 

SheilaT

(23,156 posts)
44. Oddly enough, I almost never get any mail on Saturdays as it is.
Thu Feb 7, 2013, 01:21 AM
Feb 2013

I had actually thought a few months ago that they must have cut it out already, because I get mail every other day of the week but not on Saturday. I only know that they're still delivering it that day because I often happen to go by the cluster of mailboxes on that day when the happy postal employees is putting mail in. Just never mine.

However, I'm appalled that this is going through. I also suspect that the Monday mail deliveries will tend to arrive much later than day because of all the mail that formerly was delivered on Saturday that now had to wait through the weekend. There will be a huge pile-up of Monday mail.

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