Our monthly bills come out of my husband’s paycheck, every 2 weeks. I average the utilities. Let’s say electricity: it’s about $1200/year, so I divided that by 26 (paychecks per year), which is about $46/paycheck. I put $60 into it’s own little savings account in Cap1-360, so it covers those big summer (A/C) bills and the big winter (electric heat) bills and plenty of wiggle room. The smaller bills, like Netflix, I don’t really save ahead on it. On my water bill, I just auto-send them $60/month and they apply extra to the next month, and I have at least a month credit there. Including our sinking funds and our $1k emergency fund, we have anywhere between $3k-4k in savings. It makes it VERY simple!! It took a while to set it all up, but it’s been worth it

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