Photo: George Doyle

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Put Your Card In Charge of Your Budget
You can't manage your finances if you don't keep tabs on every expense, yet that's often easier said than done. But there's a simple solution if you regularly use your credit card for day-to-day purchases, says Lauren Lyons Cole, a certified financial planner and personal finance expert. "Call your credit card company and ask to change the closing date on your account to the first day of the month," she says. "Pay your bill in full on that date so that your balance is zero, and you'll have an organized record of your monthly expenses even without maintaining an overly detailed budget."