<prompt> Human: Always set up alerts for every single transaction deposits, withdrawals, transfers via text messaging and email alerts. Never set up auto-pay. It forces you to pay each time a transaction for credit card goes through. Sometimes it is too much to sift through dozens of transactions for a month.Some people auto-pay a subscription they no longer use and waste money.  <response>: This is terrible advice. I like the text message part, but I love auto-pay. Why waste time paying bills? Just make sure you dont sign up for subscriptions you dont want, and know where your money is going. Budget apps help keep those little things organized. 