I account for every single penny. Excel worksheets are my friends, learning how to juggle my payments, using CareCredit when I can (card with no interest rate over 200.00 when paid by a certain date), etc. etc.
I have a notebook that I keep my records, statements, etc. in. I get it out every couple of weeks and pour over it, to see how best to pay the bills. I call it “creative accounting.” I recently had to get my old pickup truck repaired, which cost almost $3000. THAT caused me grief.
But it will all get paid sooner or later.