I have two checking accounts - one where all regular bills are paid automatically via on-line draw... everything... and I also put money in for therapy - that I write a check for...

I should mention that all my utilities are put on a budget plan where they space out the payments all year for the same amount.. that way I know exactly what is coming out...

Then my second checking account is for all other things, like food, whatever...

kinda of a strange system but it works for me....