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Week 4 (Day 22-30): "Stability + safety baseline"

Set bill reminders (rent, utilities, phone) + avoid late fees

Late fees and overdraft charges will bleed you dry. Set up auto-pay for rent, utilities, and phone bills. Check your bank balance 2 days before each due date. A single missed payment costs you $35 in overdraft fees and damages your credit score. Automation is your friend.

Missing a payment can lead to "Late Fees." It also hurts your credit score. You must stay on top of your bills to save money.

You can use your phone’s calendar or your bank's app to set reminders.
Many companies (like Tello or Mint) let you set up "Auto-Pay." This means the money is taken out of your account automatically.
Check your bank balance two days before a bill is due. Make sure you have enough money so the bank does not charge you an "Overdraft Fee" (a $35 penalty for spending money you don't have).
Free Resource: Bank fees and tips for how to avoid charges

Resources

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