“When people have clutter in their lives, it leads to late payments and fees, and that can lead to credit problems,” Vera Gibbons tells me.

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One of the problems with staying debt free once you have made solid progress is that it can be tempting to slip back into your old ways.

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Your cash flow management is about ensuring you have money available when you need it. Whether you automate your finances or not, it makes sense to have an idea of how much money you have — and when you will have it.

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Before you dismiss the idea, think about whether or not you could use a little help putting together your financial plan.

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If you want to improve your finances, it helps to have a solid idea of what is going on. It helps to have some sort of method of keeping track outside our heads.

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