No. of Recommendations: 2
Since people a discussing techniques.

What I used to do is estimate all known annual bills, mortgage, property tax, insurance, car replacement, medical deductible, and a little extra as a buffer, then every paycheck put a prorated amount in a separate account. Those bills were paid from that account so there was always enough and I didn't have to worry. Retirement/ 401k also came directly out of paycheck also.

All other bills were paid from what remained. If there was sufficient money in the discretionary account, I could buy it, if not, I couldn't.
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