I got burned twice by an automatic gym subscription (hello overdraft fees) and swore off automated payments forever. These days my car payment is automatic, only because it was the only way to get a rate I could afford; I officially put aside money for it in my register every payday, so I KNOW the money is there. I also have a tiny life insurance policy that’s automatic, but it’s only $1.50 a month so things would have to be Very Bad before that would overdraft me. (Not that it’s impossible…)