What is the right way of living in the Present? What is the right way of living in the Present?

Present day living is full of challenges and with forces in play and to act in certain way. How does one follow the Path in these conditions without incurring  karma and its after-effects?
For me, the challenges of living mindfully are related to wandering from the precepts. I get bogged down in work, driving, shopping, life in general... and just forget. One tool I've found useful is chants -- I start each day listening to, and mumbling to myself, the 3 gems and 5 precepts chants. Those tend to "stick" in my mind, and I hear them in my mind throughout the day, which helps me remember to guide my mind away from work, driving, shopping, etc... and back to the present moment!