If it's already broken, there is no downside to trying to fix it yourself.

Pay your bills when they arrive, not when they're due.

When you get that notification that your (fill in the blank) bill will be due in a couple few weeks, pay it right then and there. Don't put it off. Once you get into the habit, it becomes easy, and while it doesn't save you any money up front, shifting your bill paying a few weeks ahead can pay off.

If you're ahead on your bills and some emergency pops up - like a car repair - you don't have to choose whether to pay for that repair or your electric bill. You'll have a couple weeks worth of cushion to stave off paying a late fee.

Creditors love late fees. Don't give them the satisfaction.