I push all funds to the biller.
For reoccurring bills, utilities, I take the highest annual bill amount and push it, then set up payments at the high amount on the due date so, I have one extra payment already in the account as a credit balance. I also gain slightly most months by paying the highest annual bill amount.
In this way I have constant, steady payments. It will be years before my bills require attention. The amount of interest I lose by overpaying is insignificant. The piece of mind is priceless.
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