Dealing with your finances in a responsible manner is a lifelong
journey. You don't get to quit paying attention just because you've
got things under control; if you do that, you will soon find that
you're back in trouble again.
That's why I like this article by NCN at No Credit Needed: How to Stay on Track.
He acknowledges up front that this isn't always fun but that it is
necessary, then breaks down the steps and discussed the ways that you
might be deviating from your plans. Even people like me, who think
about personal finance all day, need to be reminded to remain focused.
(Ok, so I think about personal finance and html all day long.) It is so easy to get distracted!
This article is a good way to renew your enthusiasm.