Each time you receive a utility bill (power, water, cooking/heating gas) pay a little bit extra, it doesn't matter if it's $5 or 5%, $10 or 10%

For the next billing cycle, see what the full amount owing is (not the less the little bit extra you paid) and again pay an extra little bit $5 or 5%, $10 or 10% - what ever...  This will get you just that little bit ahead and can act as a barrier whenever there's an unexpected item such as fixing the car, the house or boat, whatever - You can fix those things and won't have to worry about the utility bills mounting up.

Pick an amont that is easy to add on to your bill and keep paying it each month / quarter when the bill comes in.