Wondering how to maintain your finances without having to spend hours tracking dollars or if you paid your bills on time? With help from this Dollar Stretcher story, we’ve taken the headache and time suck out of banking.

Organize your accounts. With financial gurus advising consumers take on a host of accounts, from everyday checking to retirement funds to an emergency cash stash, it’s hard to keep straight where your money should go (and in some cases, where it is). Streamline, downsize and designate accounts, linking to one another online. Keep hard copies in a simple filing system.

Go for direct deposit only. For anyone who likes to get paid quicker, which pretty much describes all of us, have your employer stick your earnings into a basic checking account. No more waiting for the check to clear, overdraft fees or standing in long lines.

Automate your bills online. Save on stamps and late fees today by going online and choosing due dates for all your bills as well as linking payments to your primary checking account. Your bank likely offers an even faster service by doing all the linking for you – we’re talking ongoing monthly maintenance in a couple of click’s time from one website.

Spreadsheet your spending. Instead of crafting a budget, how about just signing up for a free online system at Mint.com that figures out for you exactly where your dollars are being spent. By viewing pie charts, monthly and yearly spending, you’ll figure out in less time where you’d like your money to go.

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