Take the time to automate your payments so they’re never late. Late payments mean late fees which can eventually hurt your credit score, Alexa Von Tobel, founder and CEO of learnvest.com, writes in her upcoming book, Financially Fearless. There is a caveat though, she writes: You should still check your bills every month so you know exactly how much is being withdrawn. Set up email reminders so you know when your bills will hit. Von Tobel also suggests creating a separate email account just for financial statements so they’re easier to track.