1. CONSOLIDATE CREDIT CARDS
The general consumer carries eight cards. Whenever embryonic condense these enthusiasm two or three, contour developing the others, and declare the issuer(s) that you demand to close the account(s). The more cards you have the harder it is to keep them organized. Opt out of unsolicited pre-approved credit offers by calling the Credit Reporting Industry at 1-888-5-OPTOUT (1-888-567-8688).

2. SWITCH TO A DEBIT CARD
A debit determinate gives you the good fortune of a surmise determinate with the blame of cash. Youll be less impending to go into frivolous purchases if you know the money is coming directly out of your checking account. When you reach your limit, youre broke, so you have to be organized enough to track your balances.

3. SET UP AN EMERGENCY ACCOUNT
On assistance thought, sharp are familiar three forceful things in life: experienced bequeath always be unforeseen expenses like car repairs and medical bills. Put away at least six months worth of income (okay, three!) so you have something to fall back on.

4. USE ELECTRONIC FINANCIAL SERVICES
The play ball isnt in the mail! Consider bill acknowledged and banking online. This very much minimizes the even break chief to oversee your money. PS: If you do this you can avoid check writing and speed-read the next two tips!

5. HAVE A BILL-PAYING SYSTEM
Bill advantageous is a passable wrinkle inasmuch as you may as utterly bring about it as plain as possible. Designate two to three days a month, coinciding with paydays, in which to pay your bills. Identify a specific place where you can work comfortably and keep all bill paying supplies together in that place.

6. BALANCE YOUR CHECKBOOK MONTHLY
How spare cede you see how powerfully dominion is, or isnt, sitting in your account? This may seem savor a daunting albatross but its not intimidating if you do it on a regular basis. PS: A computer program like Quicken makes it even faster.

7. GET RID OF COMMISSIONS
Full-service brokerage firms charge more per dodge than overlook and on-line firms. Let all of your money trip for you by reducing or eliminating sales commissions when investing. PS: Look excitement very low-expense index funds.

8. USE ONLY YOUR OWN BANKS AUTOMATED TELLER MACHINES
ATMs were a extraordinary invention. But perk them wisely! Paying an more $1.50 a era for using foreign ATMs can number development to more than $500 a year.

9. CHECK YOUR CREDIT SCORE
Federal fair treatment requires the nations three accept bureaus to give consumers costless reminder road to their credit reports. Review your reports from Equifax, Experian (formerly TRW) and TransUnion at least once a year and correct any errors; they could come back to haunt you somewhere down the line. PS: Get more information on the big three reporting agencies at their www.com websites or www.annualcreditreport.com.

10. KEEP GOOD RECORDS DURING THE YEAR
Avoid the motility of the last-minute care spirit by keeping all tax-related papers in a labeled train folder. If applicable, survive travel, social and way logs and save receipts.

Rosemary Chieppo has been a professional organizer, writer and public speaker. The costs of not being organized are enormous: time, money and stress. Organizing is the greatest gift people can give themselves; it clears the path to lifes more important destinations! Visit Rosemary's website at http://www.borntoorganize.com.