Paying your bills on time seems like a no-brainer but you wouldn’t believe the millions of Americans who are negatively impacted by late fees. With the average late fee around 30 dollars, it can be costly to go past your due date. First off, you should list the due dates of your bills. Next, schedule reminders to pay your bills a few days before the due date, even if it’s the minimum. Not only will you avoid late fees, you’ll also keep you credit score in tact. If for some reason you can’t pay on time, try to negotiate with your creditors because sometimes they’ll work with you without dinging your credit.