We set up online banking and have a few different accounts. Got all our bills and divided them by 12 and added a little extra to cover any increases.
1st account - Where our pay goes into, groceries, fuel, phone credit
2nd account - Direct Debits and bills to be saved for (Rent, power, phi, car insurance/rego, kindy etc)
3rd account - Emergency fund/savings
4th account - X-mas, birthday savings