This Excel spreadsheet keeps a family's or individual's finances in check, especially with regard to the forthcoming bills. It calculates how much we need now to service all the commitments in the next 12 months. It does not need to be reset ever, however, because the 12 months is a rolling 12 months from today's date.
The effect is that all bills may be paid immediately with no chance of being overdrawn. Full documentation embedded and also in Word format.