I pay my internet service & telephone (they're together & we have an unlimited long distance plan), my dish network, my trash service, the shop rent for dh's race shop, I also pay for school lunches by the year. Pretty much anything that I sign up for that has a set payment amount each month. I should have mentioned that my dh gets a yearly bonus at work (every March) so we use that $ plus income tax. I usually have around $10,000 extra in March. I save 1/2 every year for emergencies & use the rest to restock the house & pay the bills. The ultimate for me would be to be able to pay my mortgage a year in advance also. Most financial experts say that you should have enough in savings to live off of for 6 months. We never seem to be able to save that much, but paying ahead puts us closer to that goal. I used to pay extra on my gas & eletric bills, but now that's not an option. I don't know why, but they won't let you. Basically the only bills I pay monthly are the mortgage, gas, eletric, water & cc (if there is a balance).