The efforts to keep down excess charges on our bills, are taxing as we fight to stay afloat in this busy world. I often wonder what these companies think they are doing to the people on fixed incomes? Mostly I find that they aren't interested in your financial situation and will push your expenses as far as you will allow them to. They will even go to the point of destroying unsuspecting people. I really have to stay on top of my bills and watch what happens each month.