MADISON, Wis. (10/5/11)--Readers of FoxBusiness.com received tips Monday from a Credit Union National Association (CUNA) personal finance expert on how to start their personal "fiscal year" in good shape. Monday's article, "Five Fixes for Your Own Fiscal Year," featured as one of its fixes the advice of Susan Tiffany, director of consumer periodicals at CUNA. Tiffany suggested that to streamline financial life, "Automate. Take the 'I'll get around to it' out of your financial vocabulary." Tiffany told readers that can mean direct deposit for a paycheck and a corresponding transfer to a saving s account. For bills that don't vary, such as mortgage or cable bills, consider automated online payments through a credit union or bank, she said. "It just frees you up so much," she said. Consumers can even set up recurring payments to cover minimums on credit card bills to avoid late fees. "You may always, at any time, make additional payments, but you'll never have a lost or late payment." For the rest of the tips and the full article, use the link.