Dear Mrs. Riches:
I'm nearing 40, so you'd think I would have gotten my financial life in order by now. But alas, I haven't. I have virtually no system for keeping track of my bills, and avoidance is my most-used money management strategy. I don't even want to think about how much I pay in late fees, much less lost opportunity costs. I need some suggestions for how I can finally get myself on track, on a budget, and better organized. (By the way, please don't tell me to use money management software; I have tried a couple of programs and I can't get them to work.) Can you help by providing some good, practical suggestions?
-- Fiscally Unfit