If you autopay your bills, use your own checking account

Don't let the credit card company take a draft automatically. Occasionally, these will occur too frequently, or there will be other difficulties. Instead, use your own checking account's bill-paying function, so you always have control over which bills are about to be deducted from your account.

Cut People Some Slack

Having a bad day? Getting grief from everyone around you? Maybe it's time to back off and realize that maybe THEY'RE having a bad day, too. We all know the stereotype of the crabby old person -- probably they have fingers and backs that ache, and their crabbiness may be rooted in pain. When I was grieving for the death of a friend, I found myself being rude and nasty to all sorts of people -- and tried to lighten up, to apologize and say straight out, I'm sorry, a friend died recently and I'm having a hard time coping -- and people usually forgave me.

If you realize that YOU'RE the problem, own up, apologize, and try not to take out your unhappiness on innocent parties. You may not create World Peace and Joy, but at least you won't be increasing everyone's misery level.