Change billing dates
Your bills are due in full on the due date. If your due date arrives before your pay goes into your account, call and adjust the due date of some of your bills so you have some breathing room. You may have to pay a little more in one month for the adjustment, but the on-going peace of mind is worth it. Even if payments are automatically deducted from your account, you should check monthly to make sure all is going according to plan. Still making payments by mail? Allow several days for your payment to arrive.