While we were overseas travelling, mum and dad paid our rates upfront for us for the whole year, when we got our tax return we gave them the money back. This has got me thinking about doing it this way from now on. We are about to move back into our house at the end of the month (we are staying with mum and dad at the moment as we have tenants still in our house). Im thinking about just paying our home and contents insurance and car insurance up front for the whole year so it is something less to think about throughout the year, no more pesky direct debits every month as well!

Private health cover may be a different matter as we are currently paying $2600 a year on a corportate rate with MBF Perhaps we will pay this quarterly.

Just curious about whether you pay your rates and insurance up front for the whole year or pay them off monthly?
Which way do you find is easier to budget?

xxx