I like small amounts to go straight to certain companies each pay so then I know what I can comfortably spend and when the bills do eventually come in they are not a suprise. I'm also terrible at saving so if I didn't do it this way we would have a massive electricity bill & not be able to pay it. It's great, we even did this with our council rates & were in credit when we sold our house. So things like Telstra, electricity/gas, rates etc put over an amount each week, then pay balance when bill comes in....usually not that much.