Certified financial planner Eric Roberge knows full well that if you've never made a mistake with your money, chances are you've never had money to mess up in the first place. According to Business Insider, Roberge says there are four things to do when you make a major error in your personal finances. First, acknowledge that it happened, instead of avoiding the issue. Second, take responsibility for your part in it. Were you disorganized? Were you unwilling to delay gratification? Or were you just too lazy to pay a bill? Third, commit to making better financial decisions in the future. After all, behavior only changes after a decision has been made to change it. Finally, it's not enough to make a decision to change--you have to take action. Set up a reminder system, or arrange automatic bill payments to be deducted from your account. And if you need an accountability partner, get one!