<prompt> Human: We are getting ready to buy our first home so to ensure that we have plenty enough to cover any new furniture, repairs, closing costs or other expenses we decided to review our budget to cut back on anything extra. We took the time to centralize our contact information for paying bills and accounts for logins. While going over our insurance policy we realized our auto policy expired 3 months ago! Without having reviewed our important documents and budget we could have missed this for who knows how long. Reviewing our budget might just have saved us from a financial disaster. If you dont have a budget start today!!!  <response>: Yeah, you need to not only be on top of budget but on bills. I would absolutely know if a bill hadnt been paid as I keep a spreadsheet with a dozen tabs of everything. Almost all my bills are autopay with a credit card, really wish I could put the car payment on it but they dont accept cc. Anyway, I pay the one cc bill each month and accumulate points. I use those points for gift cards for Christmas at the end of the year. 