My bills come by email,but I look at them when it comes in and put the amount into Quicken. We don’t really do a budget. we just save X dollars, we are paid every friday, the paychecks are a recurring item in quicken. we know exactly how much money we get per month. we use a credit card, but I try not to as much as my wife. it is rarely more than $2,000, which is a small amount of our takehome pay. Our emergency fund is about 2 years of expenses with a car fund on top of that. all insurance is paid.