Laura Jackson

Make sure you designate a particular day each month for bill paying. You do not have to spend a whole day paying 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.

Don't just rely on a credit card for every thing. Credit card companies have minimums on purchases nowadays, so in order to avoid getting stuck in a situation, make sure to carry a debit card and cash on you.

Add a few foreign stocks to your investments.