Ok, I'm a mess with money and my organizational skills are a mixed bag of failure and success. I rely mostly on memory. Where things are. What I said about what. How much I paid.
But four things are good:
I put away money in direct deposit for a 403b retirement fund. My husband had to rape his for a court case so mine is all we have left at the moment.
I opened a credit union account and put money in through direct deposit. Awesome and fairly painless. No real maintenance with that. Even if you are in debt, you must have money in savings that is growing as your debt is reducing.
I learned the trick for the easiest paydown of debt is to pay down the smallest debt first, then apply that amount of money to the next debt, plus what you would already have been paying. Then when that debt is paid down, apply all that money to the next largest debt and so on. Awesome trick and it doesn't require huge changes in life, works very fast.
I opened an ING Direct account. I have no investing skills but that is a cool way to get introduced to investing. It's taken right from your checking automatically. You pick the amount. It works for you behind the scenes.
Jennifer
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