Yikes, glad you're ok, Donuel.

Stilly, I used to have a method, and am creeping back to it, where I made a table of all inevitable weekly and monthly and annual expenses, worked out how much each was per week, and transferred all direct debits into a separate bank account, with money automatically transferred into that account every week. It means that if a sudden €500 bill comes up, there'll be money there to cover it.
And the great beauty of the method is that if the money to cover these expenses is gone out of your main account, you don't really consider it yours any more. It's incredibly calming to do this. Even if you can't manage to put the whole amount aside every week, you can put in a basic amount, then throw in a bit extra when you have a "win" - an extra payment for something you do. It takes away that sub-panic of trying to have the money in your main account when a payment is due to trigger, and worrying that it'll accidentally spend itself!