I used to be in a position to pay a bill in-full as it came in, will be back in that situation in about 8 weeks, with a back-up of approx 3 months worth of bills in a high interest savings account. But for now, I currently put money on each bill every pay day. Sometimes I'm in credit when the bill comes in, sometimes I have to pay a minimal amount. I also don't fill my car each pay-day, what I do is put a set amount in every pay period which is usually $30, this keeps me going and I know that is the amount budgeted, now I don't have to drive to work every day, that amount will probably drop but the difference will go on public transport instead.

I don't carry my keycards with me, I have cash in my wallet instead so I know how much I can spend.

I also have my pay going into a variety of accounts.