Just a quick note, managing your finances is important, don't get me wrong, but try not to stress/freak out about it! Something that has helped me with the freak outs is getting myself organized. I personally use a combination of Google Calendars and Quicken (I don't like Quicken's calendar features). If I am feeling a bit uneasy, I can always check the calendar for approaching due dates from anywhere with an internet connection! Quicken just helps managing your financial info. in general. If it is of interest, I'll post more on Quicken and other financial management software in the future!
Ohh yeah, don't stress about organizing, because that just gets too complicated :D
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