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The 4 steps you need to take to help avoid late payment fees and fines

Trending on TikTok this year, "Admin Nights" offer a collaborative solution for managing tedious paperwork, helping participants prevent "admin paralysis" and avoid costly late payment fees.
Financial psychotherapist Vicky Reynal, who writes for The Times and Sunday Times, recommends participants "shift your identity from avoidance to agency" to overcome procrastination and build confidence.
Personal finance expert Lora Rowley at Starling Bank suggests starting with a "30-min timer for a focused boost" and picking a "specific topic" like budgeting to ensure progress.
Rowley advises prioritizing urgent actions like bill payments first, using the "spirit of community" to help buddies break procrastination cycles and start with a sense of achievement.
Experts suggest scheduling regular sessions or setting reminders to check in with friends between admin nights, as external accountability serves as a powerful procrastination breaker.

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