Control Your Debt - Credit Repair Advice & Articles :: Streamline your finances in 8 steps These straightforward moves will help you save both time and money. They%u2019ll also give you a new measure of control and comfort. Have you paid a late fee on a credit card or bounced a check in the past year? Did you misplace a bill, a statement or some other financial record? Are you confused about how much of your net worth is tied up in stocks, or exactly how much credit-card interest you paid last year? Do you ever wish you could spend less time worrying about money and bills? If the answer to any of these questions is yes, it%u2019s time to take some steps to streamline your financial life. A few basic steps can save you time, money and headaches. You may need to invest a few hours upfront to get your system in place, but once it%u2019s up and running, all the effort will seem more than worthwhile. Here are the steps to take: Use direct deposit This would seem to be a no-brainer, but one in three workers doesn%u2019t take advantage of the opportunity to have paychecks deposited directly into a checking account. Instead, these workers stand in line at the bank or -- even worse -- use check-cashing outlets that chew up a chunk of their pay. If you haven%u2019t already, talk to your payroll office about setting up direct deposit