For my rent, I will use a check or postal money order. Most likely, it will be a check. Once the payment is written, I will take it to the realty office when I leave to do my grocery shopping. I will then send an email? to the manager informing him that the rent has been paid. I would rather use a Rent Payment account, but as for now, this is not a possibility.
As for all of my other bills, I would use credit cards. This makes reading the bank statement easier, and since I check my credit card account weekly, I will be quick to dispute any charges I didn’t authorize. I hadn’t had unauthorized charges in my time with using a credit card, and I will always make sure I pay my card off.
This means I have 1 check, and 4 electronic payments that I will make on the first day of the month. This keeps things simple, and effective. If I should have to go over budget, I will reduce my discretionary spending as low as possible, and focus my attention on the card that I used to go over my budget. This would likely only happen with major purchases though.