Even if you never think about these things maybe its time:
1. Pay bills on time to avoid late fees.
2. Pay more than the minimum on your credit cards.
3. Read your bank statement regularly.
4. Build an emergency fund of at least three months' living expenses.
5. Prepare a will.
6. Shop around for the best insurance rates and coverage.
7. Look around for and switch to credit cards with lower rates.
8. Follow a monthly budget.
9. Adjust your W-4 annually to make sure you are not giving the government too much money.
10. Check your credit report annually for accuracy.
11. Contribute to a retirement account.
12. Comparison shop for the best deal on your mortgage or refinancing
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