Never cosign a loan. Once you have cosigned, you cannot get out of it - even on your deathbed.
The advantage of online banking is that you can pay bills superfast, and your account is automatically credited or debited for each deposit and payment, making it easier to stay on track.
A pile of bills and statements - whether paid or not - is a sign that someone is clueless about what's coming in and going out.
It wasn't until I stood in my truth and told everybody that I had $250,000 in credit card debt. At that point, everything turned around for me. I had to reveal the truth about what I didn't have, more than pretend about what I did. That was interesting.
Johann G. Seume