This is a guest post by Cap at StopBuyingCrap.com , where Cap rambles on about personal finance, life, the universe, and everything. If for whatever crazy reason you liked this post, feel free to subscribe to his blog  – supposedly you’re guaranteed to at least two worthwhile post per year.
Do you want the quickest way to mountains to debt, poor investment returns, and years after years of tax audits?
Ignore your finances.
Ignore the bills, ignore the secondary notice, ignore the warning signs that your investment allocations are too risky — ignore them all.
Having trouble making your credit card payments? Hey, it’s all good, open a new card account and ignore the old one! Falling short on your mortgage payments? Hey, it’s all good, let’s worry about the upcoming holiday vacations first!
Sounds ridiculous? Probably not.
We’ve all had those moments when we’re too stressed out to deal with the finances; when there’s too many things on the plate and too many other issues to take care of.
Procrastination? Apathy? Lack of proper financial literacy? What the case, there’s one simple solution to avoid failing miserably in taking care of your finances.
Start paying attention!
Here’s some starting steps if you’ve been ignoring parts or all of your finances:
1. Build that workable budget. It’s not impossible to build a budget that you can stick to. Here’s a quick tip: make realistic goals. Don’t try heroic measures like cutting $1,000 per month from the budget unless you’ve drastically changed your financial outlook. If an entire budget overwhelms you, try specific categories you can hit. Build a grocery budget or an entertainment budget, and get whoever else that’s part of the household involved! Need a hand to get started? Try this making a budget guide  for some tips and tools.
2. Revisit your investment accounts. Whether it’s your retirement account or the college funding for your child, now’s the perfect time to reassess your asset allocation, risk tolerance, and investment goals. No idea where to start? Try Beginner’s Guide to Asset Allocation  and An Intro to 529 Plans .
3. Get a close loved one involved. As with going on raids in WoW, better do the whole financial responsibilty thing with support than going solo (ignore the lame MMO reference). Ask your friends or family member to give you a helpful reminder to take care of specific parts of the finances. Setup a savings goal with a friend, or a debt reduction contest with loved ones. It’s always easier to face life’s challenges when you have the right support.
4. Use the latest tools to keep you updated. Most major financial institutions have online banking capability, with means for you to do automatic bill pays, transfers, and alerts. They can be extremely convenient and time savers. If you’re comfortable with bringing your finances further online, check out online tools such as Mint.com , Quicken Online , and Yodlee . Many of these services provide text based alerts for budgets, bills, and changes to your investment accounts — all to keep you on your toes.
If you have tips on paying attention to your finances, feel free to share. Take it from someone who has ignored their finances for almost a year and paid dearly for it — don’t do it! Make some time for your future, just a few days out of the month can go a long way towards financial stability and independence!