All of my bills are set up to direct debit so I never have to worry that they're not paid. I have my electricity bill set up so that an amount gets direct debited every fortnight, I never have to pay the balance, even if it's in debit. My phone, net and moblies are all on 1 bill, $50 is direct debited in to that each week. I pay the balance if there is any when the bill comes in. House and car insurance comes out monthly, direct debit again. With rates etc I pay an amount fortnightly into another account, house payment comes out of that and it leaves us with money for the rates when they come in. Whatever is left over at the end of the week I spend .