Richard Presley

Make sure you put aside a minimum of one day each month for bill paying. You won't actually spend the whole day paying bills, though paying your debt is huge and should be given a lot of thought. Mark your calender and pledge to keep the commitment. Missing this day could cause a domino effect.

Create a direct deposit to your savings plan that the money is going straight to your emergency fund.

Get you personal finances back on track by creating and sticking to a budget you can stick to. Whether you prefer a pen-and-paper approach or software that you can use on your personal computer and smartphone, a budget can help you focus on your spending habits so you can adjust as necessary. It will also help curb unnecessary spending.