Week 4 (Day 22-30): "Stability + safety baseline"

Set bill reminders (rent, utilities, phone) + avoid late fees

Late fees and overdraft charges will bleed you dry. Set up auto-pay for rent, utilities, and phone bills. Check your bank balance 2 days before each due date. A single missed payment costs you $35 in overdraft fees and damages your credit score. Automation is your friend.