I get paid fortnightly and pay a small amount each fortnight from my pay to all the bills. I've worked out roughly how much our bills are quarterly and estimated how much I need to pay each fortnight.
I'm another one who has a high interest online savings account (an ANZ online saver, attached to my ANZ transaction account, but most banks offer the same sort of product), and have an automatic transfer set up so that every fortnight money goes into the account.
I'm a bit nerdy when it comes to budgeting, and I keep track on my budget spreadsheet how much each bill is when it comes in, and then at the start of every year I add 4-5% onto the actual amount my bills came to last year and adjust my fortnightly transfer accordingly. I always slightly overestimate in case there are any surprises. You know, like my house insurance going up by $400 last year!!!
I also pay some bills on my credit card (interest free days + reward points), and some direct by BPAY from the account, depending on whether they have a credit card surcharge or not. If it is a big bill (like a $2000 car and house insurance policy) I set it up so it so that it doesn't come out of the account until it's due, so I earn that little bit extra interest.
We leave them in a place we will see them MULTIPLE times a day until they get paid. Usually DF waits til his pay goes through then he pays what ever bills we have sitting in our spot and then files them away.
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