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Not OP, but here's something that has worked out great: putting all our bills on auto-pay.

Online banking is easy. But then it's easy to forget how much money you waste on said auto-paid bills every year. Sometimes it's good to have to work for something to realize maybe it's not necessary after all. I cut my magazine subscriptions to half, twice, and still get a bit too many to read ;)

The trick is to call the various groups you have to pay (utilities, credit cards, etc) and tell them you want your bill from them to be due on or around some specific date, the 15th of the month, for example.

Then set a calendar reminder for the 10th of each month, to login and review this month's payments.

On the 10th, you login to your checking account. Review/adjust the pending autopayments; add anything else that has come in recently; and you're done for the month.

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