Monitor your bank account. 1. Use a debit card or cash for purchases when practical. 2. Pay bills when they arrive, not when they are due. You are not earning

Monitor your bank account. 1. Use a debit card or cash for purchases when practical. 2. Pay bills when they arrive, not when they are due. You are not earning money from the float anyway. 3. Supplement with other documentation ad hoc. 4. Improve the system over time based on what works for you.