I put everything in the home loan and then redraw when a bill comes up that our pay cannot cover.
Using the redraw is really what we do - because our 'envelope' system is electronic.

Bills allocation per fortnight

Mobile Phone x2 $45.00
Internet $50.00
Electricity $70.00
Water $37.50
Natural Gas/Propane/Oil $12.50
Body Corporate $75.00
Bupa $100.00
Rates $42.50
Car Insurance $35.00
Home Insurance $20.00
Rego $32.00

$683.50