You’re enjoying some fun on the go when a sudden email stops all the merriment — a past-due notice for a major bill. With the hectic pace of everyday life, you feel like you’ve been spinning the plates of all your responsibilities — and unfortunately, managing your money is the one that came crashing down. Ouch.

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What do you do to stop the financial pain that comes with missing key payments, like potential damage to your credit score, pesky late fees, and dreaded higher interest rates? Or to improve how you manage your personal finances in general? Because let’s get real — you probably haven’t been saving or budgeting as effectively as you’d like, either.

As your friendly neighborhood personal finance writer, I went to a trusted source — your friendly MoneyLion AI assistant (a tool from our sister company) — to get the scoop. And the AI assistant had a clear answer: It’s time to automate your finances.

To probe a little deeper, I asked MoneyLion AI what I could do if I’m always forgetting when my bills are due and scrambling to keep up. I wanted the easiest way to set things up so they would basically run on autopilot — and not depend on my memory.

The AI responded with some refreshingly practical solutions, explaining how I could set up automatic payments through an easy-to-follow process:

Assess your bills: List all recurring bills and their due dates.

Choose a payment method: Use a bank account or credit card with low fees and favorable terms.

Set up automatic payments: Log into your service providers’ websites or apps to enable autopay. Opt for the minimum payment if you’re unsure about the total amount.

Monitor your accounts: Regularly check your bank statements to ensure payments are processed correctly.

Adjust as needed: Review and update your autopay settings if your bills change or if you switch providers.

The AI also noted that following these steps would enhance convenience and help protect me from late fees. And if there are two things I adore, it’s making life more convenient and avoiding late fees.

After seeing how easy it was to set up autopay for my bills, I decided to take MoneyLion AI up on its offer to help me further.

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My next question for MoneyLion AI involved how to transfer money into savings more regularly — without having to think about it. The AI swung into action, sharing that automating my savings would be a great way to build financial stability with minimal effort.