LPT: Set up two bank accounts so you can have your fixed costs run in the background while using the second one in everyday life. It's like giving yourself an allowance and it has oftentimes saved my not-brilliant-at-moneymanagement ADHD brain from messing with my payments by spending impulsively.

The first accound should barely need any maintenance once set up. It's the background noise of your salary arriving and your rent leaving, all your fixed cost just pay themselves in the background while one of those transactions is your allowance to yourself, to the second account. This is the one you use manually, in everyday life. Don't ever carry the card of the background account with you. That's what the second account is for.

Honestly, I am still broke all the time, but at least since I have had two accounts it has never affected me paying my rent or insurance or this stuff! And the costs of overdue fines have decreased a lot.