I really like this! I ran my credit report in January and had some actions to take to close accounts, opened a 0% for balance transfers and moved only cc there and set up recurring payments, closed old business account, called alarm company to reduce bill, Verizon bill. Now looking to open a higher % savings account. Managing finances, saving money, etc. requires consistent attention. Allowing yourself to do this over a period of time takes the pressure off for sure.