I do the same as muchin, use internet banking and just pay an amount into my ESB/GAS bills every month regardless of the will, for the summer i end up in credit and during the winter months i might have to make an extra payment, i have done this for years and find it easier to manage. Have to say though i was a bit pissed of with ESB, got a call a few months ago to say that there was an outstanding amount on my account, they never ring me when every second month my account is in credit 👿