Any needless suffering that can be avoided?
Once I finished school and got a better job I put everything I could on autopay and kept that checking account about double the typical monthly costs. That way I don't have to worry about being late on anything.
As far as budgeting, we are lazier than we should be. We keep track afterwards, but don't have any pre-allocated budget categories and we don't save specifically for big infrequent costs and just keep a bigger emergency fund.