Whether you are living paycheck-to-paycheck, or comfortably well off, being disorganized about your finances can end up costing you a lot of money in the long run. Even being a day late can result in late fees, and even overlimit charges, that can all add up over time. For example, paying your electric bill after the deadline could result in an additional $20 charge. If you pay late six times, that’s an additional $120 that you’re paying on top of your usual electric charges. If you are … [Read more...]