Missed bills usually come from not knowing when things are due, not from overspending. One calendar with every due date fixes most of it.

Pull the last two months of bank and card statements.
List every recurring charge: housing, utilities, phones, insurance, subscriptions, loans, school fees.
For each one, note the due date, the usual amount, how it's paid (autopay or manual), and who owns it.
Add yearly items too: car registration, insurance renewals, memberships, tax dates.
Review it at your monthly money meeting.

Month	Item	Amount	Owner

Spreadsheet or app? Either works. What matters is that both of you can see it.

Clearmony puts every bill on one shared calendar. It never pays anything on its own. → Request access

General information, not financial advice.