The best adult advice I can ever give anyone is to sign up for as little automatic payments as possible - like 2-3 MAX and only for important shit like electric and insurance. I say this because payments that AREN’T for utilities and junk usually don’t have a regular fucking charge date.
Case and point : our gym charges us whenever they please - he got his membership late September, they charged him barely halfway through October, then charged him so late in November that we got two charges in December within a week of each other. Netflix pulls this shit too. And it’s always at a time where it fucking screws us.
Did you know that if you bank has to transfer money from savings, they charge you? Did you know that if you don’t have any money in the account at all, they’ll still let the charge through, and then charge you an overdraft fee? And if you’re hit with multiple charges, the fee applies to every single one? So if you were trying to save, guess who just got screwed? And if you’re broke af, guess who’s double screwed?
So yeah, set yourself some reminders and pay that shit manually or in person if you can. And probably join a credit union because they aren’t for-profit and I hear their customer service is way better.