These 9 points still imply that you have a budget and always know what's coming in and going out as well as related deadlines. You either know everything by heart or have at least a very simple list. Frankly speaking, I would be stressed out to no end not having my Excel budget where I see at one glance what happens when.
It sounds like you've got the "documentation" and "reminder" steps covered! I always recommend the reverse budgeting system, because it lets you account for these expenses in advance. Automation lets you know they're taken care of without you actively having to think about them. Then you can spend what's left over without keeping a detailed budget of every time you spend money.
These 9 points still imply that you have a budget and always know what's coming in and going out as well as related deadlines. You either know everything by heart or have at least a very simple list. Frankly speaking, I would be stressed out to no end not having my Excel budget where I see at one glance what happens when.
It sounds like you've got the "documentation" and "reminder" steps covered! I always recommend the reverse budgeting system, because it lets you account for these expenses in advance. Automation lets you know they're taken care of without you actively having to think about them. Then you can spend what's left over without keeping a detailed budget of every time you spend money.
If something is left over...