Roeshimi Thanks for the questions man, really appreciate you taking the time.
Let me see if I can answer them properly.
Q#1: I think a big difference is that my system allows me to not have to worry about big or small recurring payments. I use the 50-30-20 rule (I should have brought that up in the article I realize, will update!) which just means that 50% goes straight to the bank (savings, investments etc), 30% goes towards funding my lifestyle and 20% goes towards fun, ideally. You'd have to adjust for what works for your current situation but with these rules in place after a few months, you start to build up a buffer that can absorb your recurring subscription costs. I track all of my subscriptions in a tab in the sheet and know my expected burn-rate monthly. Some bills are paid annually but since they are also tracked (and their monthly cost known) those costs are taken into account and the buffers grow accordingly. So basically, after a few months I always have enough of a buffer in my Automatic account (the one all bills are paid from) to just let the bills come without freaking out a few times a year. Not sure if this helps as an answer. I'd be happy to dive further into it if not.
Q#2: I always pay immediately either via Direct Debit or indeed via the Bunq TravelCard so I can't really help you with this one. Personally I try to avoid anything which obfuscates my view of my current financial state.. so buy now pay later is something I try to avoid. Although with my work I frequently use a credit card to pay the work-related expenses however that's a different beast to keep straight anyway.
Q#3: Could you provide me with an example scenario? I'm not sure I understand the question.
Loving the interaction, keep it up, please! 🙌