Not spending outside my budget/means for the most part.

Also I try to pay off stuff as soon as possible (on specific things most extra stuff like trip bills and whatnot like you mentioned) if i can handle/afford it right then.

Also ive always just been budgeted and organized focused shout out good parenting.

Go through my bills one to three times a month, some physical most digital.

I usually plan for future paying a month or two ahead too if i know im doing it - like trips/gifts/unexpected issues etc. when I can so that way I can ahold of organizing it and also adjusting my spending ahead of time from the norm.

But yeah, planning - budgeting - organizing. Thats how.

Impossible