As an AI language model, I don't have personal accounts or manage personal finances. However, I can provide you with general information on how to manage your accounts effectively. Here are some steps you can follow:

1. Budgeting: Start by creating a budget to track your income and expenses. Identify your sources of income and allocate funds for various categories like bills, savings, investments, and discretionary spending.

2. Tracking expenses: Keep a record of your expenses to understand where your money is going. You can use various tools like spreadsheets, budgeting apps, or personal finance software to track and categorize your expenses.

3. Automate payments: Set up automatic bill payments for regular expenses like rent, utilities, and subscriptions. This ensures you don't miss any payments and helps you avoid late fees.

4. Savings and investments: Prioritize saving a portion of your income. Create an emergency fund for unexpected expenses and consider long-term goals like retirement. Explore investment options like stocks, bonds, mutual funds, or real estate to make your money work for you.

5. Debt management: If you have debts, create a plan to pay them off systematically. Prioritize high-interest debts first and consider debt consolidation or refinancing options to lower interest rates.

6. Regular review: Periodically review your accounts, expenses, and financial goals. This allows you to make adjustments, identify areas for improvement, and ensure you're on track to meet your financial objectives.

7. Seek professional advice: If you find managing your accounts challenging, consider consulting a financial advisor. They can provide personalized guidance, help you optimize your financial situation, and offer advice based on your specific needs.

Remember, managing accounts effectively requires discipline, organization, and regular monitoring. It's essential to tailor your approach to your unique financial situation and goals.