In order to take advantage of the time value of money you should do all of the following
except
◦ pay bills electronically so you can delay payments and still ensure on-time payment.
◦ pay bills a little later than the due dates to take advantage of month-ending interest on your savings account.
◦ use settings on many bill-paying Web sites that allow you to set a future date for payment once you receive a bill.
◦ make use of your money while you have it, but always make payments by the due dates.