Cathleen Perry

Make sure you dedicate a particular day each month for paying off your bills. You do not want to spend a whole day paying your bills, but it is best to have the time set aside. Mark it on your calender and do it religiously. Missing this day can cause a bad domino effect.

Use a few different checking or savings accounts to help improive your budget. You can use a single account that all of your bills will come out of and one that your spending money goes into. This helps you stay on top of all your expenditures, and it will also guarantee that you have the money available to cover all of your expenses.