- Use online access for all your banking, investment and credit card accounts
I have a repeating reminder in my calendar to make sure I download and reconcile everything at least monthly, though I tend to download credit card transactions weekly. Again, it's seeing the spending and being able to analyze it easily with Quicken, that really motivates me to try to change my habits. Most major banking and investment institutions offer account activity downloads in Quicken's format, as well as Microsoft Money.
Online access has also particularly made a difference in how I understand my investment and 401k accounts, and really keep track of how they are doing vs. my bank accounts-- a good prompt to reallocate assets if they're not earning what they could be.