We've actually never been in a position where we haven't been able to pay a bill due to my "mismanagement", but what happens is we don't end up putting as much money in savings each month as I would like. I want to build up a decent emergency fund so that if we weren't able to pay a bill one month, it wouldn't be a big deal to dip into savings to pay it. My wife and I actually don't spend that much money, but occasionally things pile up due to the time of year and how our pay periods fall and things get tight.
Yep - I understood this from past conversations. It is less "dangerous" but still is a "failure" in the management, at least in your eyes :)
I think most people struggle with money management - and I am definitely one of those at times. Sometimes I am great with it though. I don't know why I can't be more consistent. However, I am going to try your (and others) home management skills now that I have the time and desire for a reset.
I have a master spreadsheet that has different sheets inside of it. Each one tracks a different metric. Sometimes they work out for me, other times I think it's just dumb luck!