Thanks to everyone for your helpful input. You are all so nice to take the time. I think I’ll just pay my bills with my phone and forget being so anal about keeping emails and receipts in my iMac’s brain. Then, I’ll get a cheap PC or laptop when I can afford it. Thanks again folks.
My tuppence, since you have identified that you can pay your bills by phone, is to suggest that you keep records by taking screen shots of those transactions on your iPhone - unless you actually mean paying bills by speaking to someone on something other than a smart phone
As general comment, it is good of you to be so generous in your gratitude - some of the responses have been so very left-field But there are good suggestions for the time when you have available spending money, especially those bargain basement older Macs.
Good luck!