*Utilities might not be good to have on autopay just in case you have weird discrepancies. one month I had to pay $1000 for electric. I called before I paid that lol.

Set it up to send e-bills to your bank and automatically push payments, as opposed to giving each creditor your account info and letting them pull payment. With your bank e-bills portal, you should be able to set it up so that it pays whatever the variable bill is up to some limit, and warns you if the bill is unexpectedly large.