I have a similar situation as you. I have my budget set up as monthly starting on the first of each month. I have monthly envelopes for my monthly expenses such as utilities and mortgage. I have a biannual envelope for my auto insurance which gets paid every 6 months. I also have a number of annual envelopes for bills that are paid annually or randomly throughout the year. This works good for me, but you may find something else works better for you. GB is very flexible, and I’m sure others will also post their answers here.