GOOD PLANNING - NO SUPRISES
For years now I have been planning my budget like so.
Write down every recurring expense (house, electricity, taxes, etc.) even the expenses that come by only once a year.
Then, for each item I calculate what it costs for a whole year. Then add up all the expenses on a yearly basis.
House 800$ month = 9,600 year
Taxes 200$ month = 2,400 year
Licences = 200 year
Total = 12,200 yearly divided by 26 pay period = $469.23 per pay
In this example, you would deposit $470 every two weeks when you receive your pay check. Then when a bill comes, no worries at all, just write the check.
The rest of your pay check would be for less predictable amounts like groceries, pharmacy, clothing etc.
I have been using this system for over 33 years now and have never been taken aback by a tax bill or house payment or insurance payment. It really is a good way to go. You can also include in this calculation an amount (ever so tiny) for savings. And it will take you a long way.
Good luck to all.