Living within your means can be very difficult if your means are already limited. Furthermore, if you have bills that are paid quarterly, it can sometimes be hard to plan ahead when you have emergencies. We’ve found that if we know in advance what our utilities payments are, it helps us to plan better.
To this end, we decided to approach the utilities companies with options for monthly payments. Some are more willing than others to set up monthly payments. I guess they find it a hassle to chase you up monthly rather than quarterly. However, if you tell them that you want to do monthly direct deposits, they would be much more receptive. The direct deposits would be automatic and they wouldn’t have to worry about bills. Nevertheless, they would probably have to keep checking to make sure your monthly payments do not need adjustment for changes in your usage.
The direct deposits make life a lot simpler for you as well, because you don’t have to remember to pay your bills in time. Because of this convenience on both sides, some utility companies offer discounts for this. Another bonus when you are already financially strapped.