Do You Make Sure Your Bills Are Paid?

How closely do you monitor your bank account. Do you ensure that each bill you've set up to be paid by your credit card is paid? Do you ensure that each bill you've set up to be taken automatically from your bank account is taken? Would you notice if your bank forgot to take your mortgage out of your bank account for say ... 8 months? What about your car payment? Would you think they were just doing you a gigantic favor if your mortgage company didn't take the payment from your account....WHOHOO! FREE MONEY!, or would you immediately get on the phone and find out if there is a problem?

I had a client surprised today to find out she has had no insurance since August when her policy was canceled for not paying it. I suppose its a little much to expect she notice that she has a spare $350 in her bank account every month - or perhaps the letter she had to go pick up at the post office telling her it was going to be canceled, or just maybe it was the 3 frantic phone messages left on her voicemail which she didn't return. Anyways.