Some bills come every month, and are manageable. Some bills are one-offs, and temporarily make life difficult. But some bills, like electricity, rates or car registration come once are year or once a quarter and can really hit the family’s finances. So how do you keep on top of them? By planning ahead! I have a page like this in my diary where I record all my bills, when they come and how much they are. Then I can project ahead to see when the big bills are coming and how much they are likely to be. So when the annual and quarterly bills come it isn’t such a big shock, and I can start putting money aside for them. You can also tell at a glance if your electricity or water consumption is rising, and if you need to reduce your consumption before the next bill. Easy!!