We have been on monthly pay for 6 years now. It took some time to get used to, that last week can be a killer. I remember at the start being in the next town with the petrol light on and I only had $2 left - I put in less than a litre lol.

I do the finances, so on pay day I do internet banking and pay all the monthly utility bills and anything else. I leave enough in the account for mortgage and insurance direct debits and leave one week of groceries/petrol/spending in the account and transfer the rest to another account and then pay us weekly. Any extra/unexpected bills have to wait until next pay. The five week months often come to stuff up my system. They are the biggest issue, because you have the same amount of cash but you have to make it last longer.

It is only 11 pays until Christmas.