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If you still need motivation to go paperless beyond the savings opportunities, try this one: saving the earth.

I'm not normally the crunchy granola type, but there's a legitimate argument to be made that online billing actually does make a difference. Consider the amount of paper you receive every month in bills — I know my Comcast bill alone is 3 or 4 pages!

Do I need all of them? Nope. An online version works fine.

The numbers are pretty staggering. In the June issue of Money, Jean Chatzky points to online banking as one way to go green — and save a bunch of trees.

The difference to the environment is potentially huge, explains Rossana Salaris, senior vice president of the Electronic Payments Network. If all U.S. households changes their ways, she says, we could save 18.5 million trees each year and reduce toxins in the air (from paper creation and transport) by some 2.2 billion tons.

In addition to the trees that will be saved, you'll save about $60 a year in postage (unless you drop $8,000 on forever stamps).