Tracy Smith

To make budgeting easier for our family, I calculate ALL bills for the year (including car warrants, regos, insurance, rates, power, phone, etc). I then divide the full yearly amount by 52 weeks, and deposit that amount to a bills account. I have all automatic payments and direct debits set up to come out of that bills account, so you always have the money to pay the bills and you know they will be paid on time.