Everyday Cheapskate: Whether you like it or not, you need a good credit score

When our lives get chaotic, we pay dearly in terms of stress and money. There are hundreds of things you can do to simplify your life. Here are seven to help you get started ... one a day for the next week.

Carry only the keys you use every day. Clean everything else off your key ring. If you don’t recognize what a key is for, toss it. If you have keys you use occasionally, keep them on separate rings in a safe place. I carry only three keys: house, car and office. They’re not bulky, simple to select AND fit into a small pocket in my purse. Not only has this small trick simplified my life, but my car’s ignition is happier too. Heavy keys pull the ignition out of alignment, causing it to eventually fail.