I'm not sure if this is considered a frugal tip. When my husband and I were just starting out we didn't have a lot of money and it was difficult to pay the bills. At the time, I wasn't working so we only had one paycheck.
To get a handle on paying bills, I wrote down the dollar amount of our yearly expenses and divided it by 26 (this is how many paychecks we had in a year). Each payday I put that amount in an envelope for that expense. If there wasn't enough money to go around, I skrimped where I could, usually on groceries or clothing. I never borrowed from the acutal bill money. I also included an expense amount for savings.
