2 Review Your Loans (if any): If you have any loan, then make sure that you review it each time before you pay. It's your responsibility to pay it back. So, plan your budget such that you never miss paying the interest.

It becomes a headache sometimes if you fail to pay at time. So try to pay off all your debt if it exceed as the interest rates that you are actually expected to give.

You can even compare and negotiate if you feel that you are not into a good deal. You must take the advantage of the market condition as there is a lot of competition regarding this matter.

3 Organize Your Bills: Make sure that you have arranged all the bills to reach you before your last expected day of every month. You must plan for these expenses wisely as it needs to be withdrawn accordingly.

You can even try labeling in different envelopes with a specified amount of cash as soon as you receive them. This will help in saving your time and you won't have to wonder while paying at the end.

 Also make a habit to check out for the mysterious charges if any on a weekend, it will be prove to be profitable for you as you will recognize your spending patterns as well.

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