I manage my college expenses with 3 credit cards and pay my credit bills with them. This is cumbersome and I can’t remember if there’s enough cash to pay the bills at that point of time. I badly need to do some financial planning. Any idea / suggestions?

Track all of your purchases and the amount of money you have in the bank… either by hand, with a spreadsheet on your computer, or through an online tracking program, like one of these:

http://www.mint.com
https://www.wesabe.com/
https://www.geezeo.com/
http://www.yodlee.com/