Yeah thats what I thought - I don't wanna pay for the same month twice! I'll look into the grace period too, even if its just 2 weeks it would give us enough time to get tax done and returned and afford it.

I hate it when I make budgets and then something throws a spanner in the works - our utilities all came late too so the last two pays we've had electricity and gas when I budgeted them for much earlier, but that had something to do with the cyclone and floods.