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Scheduling bill payments through my banks online bill pay. I will pay bills with a credit card when I absolutely have to. I don't use ACH autodraft at all if I can avoid it. Online bill pay is usually free, it helps centralize all my bill payments, and if there's a problem I just call the bank instead of having to mess with the vendor.
It also helps make sure I don't forget to pay a bill, which my ADHD brain would do all the time otherwise.
Automating bill payments had been such a huge change for my life - I was only sporadically able to maintain good habits but now everything just works. Minimal effort, maximum gainz!
But I’d also include