Late fees hurt. Seriously. For college students, the average late fee represents 78 tacos from Jack in the Box. For young professionals, they represent dinner for two at a moderately-priced restaurant. For the families with teenage children… well, late fees represent the extra charges on your cell phone bill from excessive text messaging. Thankfully for all of us, there are two simple methods to pay your bills on time, and two last-minute methods for those of us with a memory of a scarecrow.