If you're like me and you pay rent on an apartment or house every month– and sometimes don't budget your money well – try this tip to ensure you NEVER fall short when it's time to pay rent.

I created a savings account in both me and my husband's names. I calculated exactly how much out of each paycheck (both of our paychecks) should go to rent. My paydays are biweekly, so every pay day I deposit half of my check into the rent account, half of it into my checking account. My husbands are direct deposit and they are every week, so I use phone banking to transfer X amount of each of his paychecks into the rent account too. I just make it a habit, and eventually it becomes second nature.

This way, at the end of every month, all of the money I need to pay rent is sitting in that extra account, completely out of danger of me dipping into it by overspending.

This can work for ANY type of big bill you worry about every month. Just divide the amount of the bill by as many paychecks as you'll be receiving to figure out how much of every check to deposit into the savings account. And never come up short for another payment!