If you pay attention to one and only one item in this Monday Memo let it be this one: Papaya is officially the most effortless way to pay your bills (and keep them organized) that I’ve ever seen. We've been using it for the past several weeks and are AMAZED by how seamless it is and how much time it saves. You simply upload an image of your bill (literally, any bill) and Papaya pays them for you–even if that means sending in a check on your behalf! If you’re ready to be a bit more hands-off with all of those cumbersome, individual bill payments to electricians, plumbers, doctors, etc., let Papaya do the heavy lifting for you. This is streamlining at its best.