Maybe see if they will take some out if each payment I stead of all out of one. If they won't, as has been mentioned, you might just have to chane the way you budget. Put money in a seperate bank account to cover the expenses or set up centre pay from your ftb for things like phone and electricity if available. It really should only be a problem once. You put the money aside from your ftb the following week which then has the money to cover you the next week when your payments are due. Then you out it aside again. You just have to resist the temptation to over spend because the money is there...

I pay as much as possible via centre pay simply because I know dh struggles to not spend if money is there. So I get where you are coming from. You just have to learn to be strong and maybe move it to a second account that you don't have ATM access to if need be.