Another way to be prepared is to know when all your bills come out - this is particularly useful if you budget with multiple streams of income at sporadic times like many business owners do.

Use your planner to write down when all your bills come out and stick it somewhere you can see it - the kitchen fridge is a good place!

Automate as many of these as possible so that you never miss any payments, especially for things like credit cards.

Select a day for when you will set money aside for your annual spends as discussed in the last exercise.