What if paying your rent and bills felt effortless, stress-free and completely under control? Well, with automation and bill smoothing you can make that happen.
These simple tools can help you avoid late fees, manage cash flow better and most importantly, boost your financial credibility.
Whether you're saving for a goal, applying for a rental or simply trying to stay organised, automating your payments and smoothing your bills is a modern money move that works.
Almost anything! But these are the best places to start:
→ Automation
→ Bill Smoothing
Top tip: RentPay’s bill smoothing lets you pay small, predictable amounts based on your average usage—no more big, scary bills at the end of the quarter.
1. Know where you’re at:
Before you start, take stock of your money.
Can you comfortably cover all your bills each month? Do you get hit with late fees or forget a payment now and then?
If you're in a good place financially, you're ready to automate and smooth. If not, a quick budget check or creating a financial plan might be your best first step.
2. Sort and group your bills
Group bills into categories: energy, rent, insurance, loans, subscriptions. Decide what makes sense to automate, smooth, or manage manually.
Got a credit card with high late fees? That’s a perfect candidate for automation. Rent and utilities? Automate them and smooth where possible to reduce pressure.
3. Time it with your paydays
Set your transfers and payments to happen the day after payday—whether you're paid weekly, fortnightly or monthly. That way, the money is ready to go and your bills are handled first.
This strategy ensures essentials are covered before spending money elsewhere.
4. Set up your automation
Use your banking app to schedule regular transfers. For RentPay users, you can automate both rent and utilities in one place.
Top tip: Bundle your rent and energy bill payments together using RentPay’s automation tools. Fewer logins, fewer headaches.
5. Smooth out your utility bills
Instead of paying a big lump sum every quarter, switch to smaller weekly or fortnightly payments based on your average usage. That’s the power of bill smoothing.
RentPay can calculate these payments for you and keep them aligned with your rent schedule—so everything works together.
6. Automate your savings too
Set and forget your emergency fund contributions by automating a small portion of each paycheck into savings. It builds up faster than you think—and you won’t miss it.
Even $10–$25 per week adds up. Your future self will be glad you started.
7. Set a monthly check-in
Automating doesn’t mean ignoring. Set a reminder each month to check your balances, review your scheduled payments, and adjust if needed. Especially if your income or bills change.
A 10-minute money check-in keeps everything humming in the background—without surprises.
Combining automation and bill smoothing is one of the easiest ways to reduce financial stress and build financial credibility.
Whether you’re renting, saving, or just trying to feel more in control—these simple tools can make a big impact.
You might also like:
> Avoid budget blowouts with RentPay bill smoothing
> How to ace your RentPay game
> Point hacking: Earn rewards by paying your rent with a credit card on RentPay
