Let's begin with a few simple words and phrases which are
known to bring about a degree of sleepfulness:

Mortgage. Council tax. Electricity bill. Household finances.
Brown envelope.

[Continue at your own pace, perhaps with a hot drink.]

Household bills can be paid successfully by Direct Debit.
So too can many other bills, like the TV licence fee, magazine subscriptions and items bought on credit (furniture of a greenhouse, for example).

Over 20 million people in the UK pay bills by Direct Debit.
'Why?' I hear you murmur drowsily.
It is often for personal and deeply uninteresting reasons.
Above all, though, it gives them peace of mind because their affairs are better organised.
As a result, they are more centred emotionally and spiritually.
They are kinder to animals and the elderly, and are less dependent on hard drugs.

Do you think I'm exaggerating?  Yes  No