<prompt> Human: Hi PF,How do you all manage your bills? For example, I pay Gas and Electric every 3 months, water 6 monthly, council tax UK for 10 out of 12 months. Do you set aside a set amount aside every month to accrue e.g. 200, or do you just ensure you have enough in your current ac or savings to pay for it when it comes in? Cheers!  <response>: I use YNAB and just budget 112th of my yearly cost each month for each bill - rounded up in the cases of things that vary in cost. So yes, money set aside each month. I cant think of another rational way to deal with it really - whether you put aside money each month or just ensure I have enough in savings youre still putting money aside for it, so might as well just get it into the budget so youre sure that you are living within your means! 