Create your own escrow account for bills that aren't due monthly.
I have different bills that come due through out the year that aren't monthly.
Water bill - every 3 months
Car insurance - every 6 months (for 3 cars, at different times during the year)
Tutor fees for the high school home-schooled kids - twice a year in August and January
Home owners insurance - once a year
Property tax bill - once a year
Instead of having these bills show up in the mail, and me not prepared to pay them, I opened another online savings account (at Capital One 360) and nicknamed it escrow (I also have a rainy day account and an emergency account with them). I took all the bills above and figured out the monthly damage from them. Each month I automatically have that amount transferred from my checking account (on the day my paycheck is direct deposited) to my "escrow" account.
Basically what a mortgage company would do if we had a mortgage.