8 (Totally Easy) Ways to Make Over Your Finances
Three finance experts on the changes to make now (and later).

Alexa Von Tobel, Founder of the Personal Finance Web Site
Do This Now: Electronic bills are great—unless they're lost in a crowded in-box. Set up a separate e-mail account (e.g., to keep your e-bills orderly.

Do This Soon: Step back and look at the big picture. Fifty percent of your take-home pay should be allocated for essentials, 20 percent should go toward savings and debt, and 30 percent can cover everything else.