This is more of a budgeting tip, we are about to buy our second home & find it's bills that get us each month.
Now each pay an automatic payment of a certain amount of $$$ goes directly to ph, water, elec, rego, savings etc regardless of how much the bills are. That way we only spend what we have left & don't spend too much before the bills come in & when the bills do come in the are either in cr or not much at all.