Q. I’m trying to convince my mom to do online banking so I can help her keep track of bills. She can be forgetful. But she doesn’t want to use the computer. How can I convince her it’s the smart way to go? — Still working A. It’s great to hear you’re trying to help your mom. Having online access to her accounts would certainly make it easier. It can be a great tool to help manage bill payments and cash flow, especially if someone has a few types of accounts all at one bank, said Debra Ohstrom, a chartered financial analyst and financial educator. She said the convenience factor is one of the b…