Take a look at your bills for the past three months and determine what the average was. Do this for each of your bills for electricity, gas, water, internet, cell phone and anything else you might have. Take the average total cost of these expenses, divide it by the number of paychecks you receive per month and then set that amount aside every time you are paid. For example, if the average cost of all your utilities for the past three months was $300 and you receive two paychecks per month, put $150 aside at every paycheck. If you don't already have utilities set up, ask your neighbors or landlord for an estimate of what's normal.