At the moment I have an account that I pay all the bills out of. I transfer money from my pay into it every week. The bill account I have regular direct debits onto bills (gas, electricity, home phone, mobile), this account also has the rent come out of it monthly as well as my gym membership plus car & health insurance. I don't carry that keycard around so I can't be tempted. I am building up to have that account with a couple of months buffer in there.

I put more money weekly into that account than is needed so it can accrue for the big bills like rego.

I also have a spreadsheet that I track my spending on (today's is going to be a little bit scary when I put it all in, since I had a retail therapy morning).

I actually try not to carry my cards at all, I take out cash on pay day and that is what I use for groceries, petrol and general living expenses for the week. I take lunch most days.