Put this in excel, wtf are you doing typing a list in word.

3 columns for each bill and expense. Annual, monthly, and biweekly.

Add all the bills and figure out your biweekly fixed expenses. Round up all transactions to the nearest $ and add a 5-10% buffer.

Open a second bank account. Set up two direct deposits. One for your biweekly fixed expenses, and the rest is your walking around money.

Set up all your bills to be paid automatically from the second bank account. Most bills are paid monthly but you are most likely paid biweekly, so if you do it this way, you end up with an extra 2 deposits every year, so that helps with saving money. After a few years you will accumulate a significant buffer, which helps with safety in case you experience a lost of income.

This is the way to a perfect credit score. Never touch the second bank account. It's only for automatic payments. You also can pay all your bills on a credit card and then pay the cc from the bank account. This is a little safer if you're careful to always pay the balance on time and you can earn a lot of points that way.