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I have most bills automated, everything that can go on a credit card does. I manually pay down the cards unless there's a good reason not to, like currently I'm getting ~1% interest on one of them so it can carry a balance for a few months. In the past any excess cash would get moved into a brokerage account about once a month but that's on hold for now because there's been a lot of big expenses recently and I need to hopefully pile up more cash for another big expense later in the year. I don't actually track anything very closely beyond looking at the accounts regularly and doing some rough math. I round things as conservatively as possible when doing the rough math so there's always some leeway built in to my assumptions that err on the side of me spending more than I probably will.