I keep a spread sheet of monthly outgoings, so I can quickly check when something is due to be paid or has been paid. I do receive a notification from the bank of what is to be paid each month via direct debit, but it takes less time to check a spread sheet on the computer than go through the bank statements.
These e-mail scams are a nuisance. Some of them are so transparent that it is easy to see that they are scams - I recently got one purporting to come from the tax authorities but as it was written in French and I live in Denmark, that one was easy to see through. Others really do take you in, don't they?
I am really annoyed with Microsoft who don't have a contact formula on their homepage as other companies do, so you can report scams without having to phone up about them.