Are your finances a mess?

Is it costing you money because of late payment fees?

Is your credit score suffering because of the late payments?

If the answer is yes

It's time you did a budget.

Work out what you have coming in and what you have going out

Automate as many payments as you can

Set up weekly or monthly reminders if you can't or don't like automated payments.

Pay the bills on due dates and pay them on time.

Don't put it to one side when a bill comes in and say I will deal with it later. Do it now when it is just one bill and not six bills.

Keeping on top of your finances will save you time and money and reduce stress.