1. Pay Bills on Time
Online bill paying via your bank's site is useful, but there's always a chance you'll forget to sign on and pay bills on time.
Paytrust.com won't let you forget: It e-mails you when a bill arrives at its site, and you can log in and pay it. If you ignore it, you'll get another e-mail prior to the late payment date.
As with banks, you can set up recurring payments, but Paytrust also allows you to pay for things that don't have an incoming bill-the babysitter, a rug-cleaning service.
$12.95/month for service on 30 bills.
Tip #2: Stick to a Budget
This article comes from the Winter 2008 issue of ADDitude. To read this issue of ADDitude in full, buy the back issue.