In concept, a tool that would remind you to pay your bills online is a good idea. After all, bills come in at different times, and, because online paying generally does not have the physical paper trail that reminds you to make payments, it would be good if you had some kind of electronic system that said, "Hello! Time to pay that phone bill! Only two days left before you're late."

Billeo is one such site offering this. You download their toolbar, which sits along the top of your Web browser, and then you set up your master list of sites where you make online payments, including your login info to those sites, and then it reminds you when the payment is due at all the different utilities/credit card issuers, etc. Click a button and it takes you right to the site where you need to make your payment, logs you in and you're ready to pay.

Billeo also offers two other services through this same toolbar-one that remembers your passwords from multiple sites where you have accounts, and an automatic form-filler-outer that can speed shopping transactions or other situations where you need to fill out name, address, zip, etc.

Billeo sounds like a fine service, but I always wonder who these organized people are that use such a thing. It would be nice to have all these due dates and passwords, etc. remembered for me, but I'm just too darn lazy to set up the accounts and enter all of this information in the first place. And, if I did, then I would be unlikely to remember to add new accounts in as I acquired them, which means I'd be getting reminders from Billeo on the accounts it knew about, but I'd forget to pay those accounts that I'd been too lazy to enter into Billeo in the first place. Is that just me, or would you feel that way, too?

That said, Billeo could be just the answer for you, even if it's not the answer for me.