The way i pay for all of them is through paypal. Every designated day of the month I get an invoice (e.g. for my SW wishlist the invoice comes out every 25th, and for the SMF is every 17th of each month, so i know to expect them). Being a member of the club means you get free shipping on the fabrics and they are also cheaper compared to having to buy one, for example on my SW wishlist I always have opalescents (e.g linen opal fat q as prices vary) which in regular price would damage you $30+ shipping. But in FOTM it only costs me $20 everytime. Hope that helps & made sense. ;) :grin