1. setup two checking accounts, one for payroll deposit and one for billpay
2. take each bill and split it in half (if you get paid bi-weekly)
3. setup an automatic transfer for each payroll in the amount of half of each bill
4. each payroll deposit will then deposit half of your required bill for the next month, so you don't have to track everything from one checking account
5. setup automatic payment for your bills from the billpay account
6. (obligatory) ????
7. (obligatory) profit!
everything else i usually withdraw cash for - estimated amount for gas, bi-weekly disposable income, any other petty expenses. any leftovers go toward credit card expenses; if i'm planning to buy on credit, i'll transfer the amount from my savings account or payroll checking account into the billpay account, so i'm not surprised at the end of the month.
this allows me to maintain my bills and credit rating mostly worry-free. as per usual, ymmv.