Once I got my act together and my finances I organised for all my regular bills to be paid by BPAY with the credit union (community bank) account - no charge! This included electricity, gas and telephone. I found out how much I would have to pay fortnightly (every 2 weeks) to keep ahead of my bills. In Australia the utility companies have a service to check the yearly bills and what you have to pay to keep ahead - wow! no more ringing up for extensions on payment.
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