We've gone onto monthly pays about 4 months ago and have found it quite easy! The first one was really hard, but I have found before I know it pay day is here again
The details may not be the same for you but as we have our own business, we have a cc that all of our expenses go onto. Our pay goes into our business account, out of which the cc gets paid when it's due. On pay day I pay what needs to go into the mortgage and also a few hundred $$ into our keycard so we have access to cash through the month if it's needed. Anything left over stays in that account until it's needed for bills we can't put on the cc. It's pretty easy!
We use internet banking or direct debit as much as possible.
We have our personal accounts, but also we have a "Direct Debit account", an "Accrual Account" and a "Long term savings account"
All the bill/rent etc come out of the Direct Debit account - this account does not have a card. We pay groceries etc on the credit card and pay it off in full each month. We have worked out a budget of what this can be. Things like health insurance and gas/electricity comes out of this account.
The "Accrual account" is for things like car rego, car repairs/servcing etc. This also has no card access.
The Direct Debit and Accrual accounts are all linked with the daily transaction account (which does have a card), so I only pay 1 set of bank fees for the lot each month.
The Savings account is a high interest savings account, without a card. This is for long term stuff. At least 10% of the pay is automatically paid into this account.
In addition, we've organised monthly automatic deductions of gas and electricity ($50 and $70) and we make up the difference every quarter. The phone bill is a set amount for all phone calls, including broadband, which is deducted each month.
I used to be useless at budgeting. I found a system that helped me, though I don't use it religiously - look up Simply Budgets. Also the Barefoot Investor has a good ideas.
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