FittBoy

For every bill that I have, I have auto-pay set up with automatic recurring payments. Simply add up all of my bills and state that I require x amount of dollars in my bank account by the 1st of the month. Everything else is yours to spend or save. I also approach my savings like a payment, with automatic transfers to savings/IRAs and payroll deductions for various benefits and such. I've never missed a single bill payment in my whole life, and as a result, I have fantastic credit. Late fees are a load of nonsense.