Create filing system.Budget.Deactivate inactive accounts.Use credit cards to keep track of spending and get rewards.Establish a bill-paying day every week or two.Open your mail over the trash can. Throw away junk mail immediately.Have a Checklist for Bills You Are Expecting.Make a list of all your usernames and passwords.Set up automated payments for your regularly scheduled bills.Consult with Anyone with Whom You Share Accounts. 

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