Late payments!! :(

It has been consecutive 2 months that I have been forgetting to pay my bills.

Last month, I received 2 late payment reminders. One from SP services and another from Singtel. Luckily, the charge is only S$0.50. One more late payment but I didn't get the chance to be reminded which is the credit card bill. Late charge S$40!! Ironically, it was from my bank!!@#$%*

Just now, I remembered that I haven't cleared my phone bills again. Oh gosh...I should just apply Giro for all bill payments. I will do it next week...I swear!!