I totally agree with this post!! I have found that the info helped me get better with my finances but didn't completely solve my problem. I discovered a couple of free tracking sheets that I print out that help me really apply this advice more easily. I use them almost every other day. Holy Smoke!! Life gets so hectic sometimes that I can't keep track of all the payments going out sometimes - not in my head anyway. And I have bank accounts and credit cards that payments come out of. It's hard to keep in my mind where the money is supposed to be and at what time...and I'm working with a small budget and credit card balances that I'm still working to pay down so it makes things stressfull. So I find these tracking sheets really help me to manage things a lot better. There are tutorials with the tracking sheets too. If you go to www.trueendlesswealth.com/simple-financial-management-resources.html the two forms I'm talking about are called Schedule of Payments and Credit Card Tracker. These have been lifesavers for me and I hope they will be for anyone else who reads this. I'm a lot less stressed now than I used to be!