Well, I should say, I don't. Our bills are the same amount every month, with very little changes even in the electric or gas or water amounts. I'm talking less than five dollars here. So as long as Poke brings home enough to cover all our bills, we're good to go! Everything else is gravy. Unfortunately, there are weeks where he doesn't get any overtime, so I have to put all the gravy in the savings and use it for the slow periods. But he has a substantial 401(k) through his employer, so right now savings isn't the number one priority.
Here in Ohio, the old saying goes "if you don't like the weather, wait five minutes" and unfortunately for some, that leads to outrageous utility bills. Our 1956 ranch home was double insulated by the previous owners, has all new (within the last 10 years) windows and doors, and we removed the carpeting in 90% of the house last fall. All these have proven to give us incredibly low bills, and combined with my miserly ways, we pay less than $140 per month for all three utilities - even in winter. I keep the air conditioning off until the temp hits 86F, and then the thermostat goes to 77F and we run fans. In the cold weather the thermostat is set at 62F, no higher, and we use blankets, sweatshirts, etc. to keep warm. We all shower every other day, and JI rarely gets his own shower or bath; he showers with us almost every single time. I water my flowers and lawn using leftover pool water before we dump it out (it is not chlorinated), we do 4 loads of laundry per week and run the dishwasher only 1-2 times per week on average.
A few months ago, we finally cut the cord with cable TV, and our bill is now less than $65 dollars per month - down from $125. We have the highest speed Internet available, which allows us to utilize Hulu Plus ($8), Netflix ($8), and Amazon Prime (included with $79/yr membership) streaming video services without many glitches. I thought we would miss cable, but to be honest it hasn't been that difficult at all. I like being able to choose what I'm in the mood for rather than having to wait for the scheduled air time!
I have zero credit cards, and Poke has five. Of those five, three have very low balances (under $100) and two are slightly higher. We get the low ones paid off and try not to use them very often, and pay double the minimum payment on the higher balance cards. Every year at tax time, we pay them all off in full. We don't put things on credit cards that aren't tangible, like gas or food. I use them occasionally for clothing, and the others are for major car repairs or emergencies.
We go out to eat twice per week, normally, although with my strange cravings it has been more often lately. When we go out, we spend $20 or less for the three of us to eat, and more often than not we use a coupon or get the specials. I never buy JI a kid's meal because he doesn't need extra crappy toys and I don't want him eating a ton of processed frozen foods. He eats a la carte sides, like green beans or black beans, and either Poke or I will order a slightly larger adult meal and give him some of our entree. Sometimes he just wants soup, or he just wants a fruit bowl, and it is cheaper to add one to your meal for $1.29 than to order the kid's burger meal with fries and soup for $5.99. As for drinks, it is water all the time! The only exception is a special occasion margarita or mixed drink (but we won't be doing that until after February!)
For home cooking/eating, I make 95% of everything from scratch. We don't normally eat junk food like chips/cookies/candies (another thing that has changed since pregnancy... yuck...), there are no processed or prepackaged foods like Helper, Pasta-Roni, etc., and we rarely do frozen foods other than garlic bread (yum... Texas Toast... hey, I'm not perfect!). As I've mentioned before, every time I make a meal, after JI and I have eaten what we want, the rest goes to Poke's lunches and into the freezer. Prior to being pregnant, I spent $350/month on groceries (including alcohol, cigarettes, toiletries, etc.) and once every 7-8 weeks I would do a big freezer meal cooking day and stock up. Our shelves and our fridge/freezer have been getting bare lately, but I have no energy and no desire to cook! Also, I know we have been spending more on groceries because I literally cannot make up my mind on what I want to eat. It is so lame.
As for the other miscellaneous things, our car insurance is very low because we have excellent driving records and we have combined our home & auto policies to get a discount. I have my own life insurance, we have our alarm system (which also gives us a discount on home owner's insurance), and a few other bills that aren't negotiable to lower. Overall, our monthly budget, in which I include everything - going out, groceries, etc. - leaves us with a little extra "fun" money. Unfortunately, after having a pretty rough and horrible two years prior to Poke's current job, the fun money isn't used for too many fun things these days! But we are able to do what we want, with what we have, without going into debt, and while having a wonderful fun family time. It doesn't take a lot of money to make a lot of memories.