The hint I have is autobill pay to debit out all the bills so you don’t have late fees. Systems that have failed for me include:
Microsoft Money 2004
Basically any accounting money management program. Cause I have to maintain by looking at it on a consistant basis. Does anyone have a system they love? Have you had to be creative inventing one that you will stick to? How does budgeting really work? Is there such a thing as a budget, or is it like dieting you are good for awhile but then you have to get your seven doughnuts at Krispy Kreme?
Does anyone have the "Fly Lady" for finances?