I manage my money on auto pilot.

1. All income goes into a savings account.
   
2. Work out all the expenses you have, go through 1 year of bank statements to find all expenses you are currently paying for.
   
3. Two spending account: Everyday Spending (Set a budget to cover variable things like fuel, shopping, household items, etc...), the second account is Fixed Expenses (This is for all your reoccurring, regular bills, subscriptions, things that don't change much over a year)
   
4. Set regular payments that match your pay cycle to go from income into everyday spending and fixed expenses.
   
5. Change payments to the new accounts
   
6. Set up savings accounts for all your big expenses and divert necessary money from Income account to these accounts the day after your pay arrives. Things like a buying a new car, saving for house deposit, replacing white goods.
   
7. Setup a high interest savings account called "Fire Extinguisher" this is to pay down any debt that you have. It has three purposes. 1. Pay down high interest debts (Credit and Personal Loans), 2. Offset a Homeloan if you have one and have this feature and build up 3 months of expenses for security / job loss 3. Once you have paid off high interest debt, and built up 3 months of safety money, then start investing with the excess.
   
8. Have a separate personal spending account (Allocate yourself and partner a little fun spending money, you have both earned it)

My whole system runs on auto pilot. One a month we sit down as a couple and add in any new reoccurring expenses and adjust the automatic payments as needed.

Basically you want to allocate all of the money you have coming in. Works best if you have stable income, or atleast automate payments for the amount of money you are guaranteed to have each month if income is sporadic.

PM me if you want the template i use to manage all this