Take a lesson from previous financial failures. If it took you two or three years to eliminate your credit card debt, that experience could dissuade you from making the error of falling back into debt again. If you have had a job that pays you less than you feel you are worth, look at that as a learning experience to negotiate your income more at your next job. Any lesson learned from personal finances is valuable. If you are willing to learn more about managing your finances, you will find yourself in a more favorable financial situation. In order to receive a nice credit report, try using more than two, and less than four, cards. Credit scores build slower if you only have a single card, but having more than four is a sign of possible credit problems. Try using two cards to build up your credit and adding more when needed.
Review and adjust your portfolio on an annual basis, at a minimum. You can get your investments inline with your goals. You can also have an opportunity to sell your stocks high and buy some low.
To make sure that your credit card payments are paid in a timely manner, try setting up automatic payments through your bank. Even if you are unable to pay your credit card balance in full, making minimum payments on time helps to establish a good payment history. If you have an automatic debit set up, you do need not be concerned about the payment being late and if you have extra money you can always add that to the payment.
No one is perfect when it comes to personal finance. Your bank may waive a bounced check fee if it was a one time mistake. This is for someone with a consistent record that avoids overdraft, retains balances, and will most likely only work once.