Most failed payments are not caused by having no money. They are caused by having money that was already committed, in an account the payment was not coming from, or on a day the timing did not work.
Two minutes before the busiest date in your month prevents nearly all of it.
The check
5 things to do
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Cluster the dates rather than spreading them
Most providers will move a payment date on request, and it is usually a two minute call or a setting.
Getting the majority of them within a few days of payday means one moment of exposure per month instead of a slow drip of small risks across four weeks. It also makes the check above take one look instead of several.
Annual payments are the ones that catch people
A yearly insurance renewal or subscription is invisible in a monthly view and lands as a single large amount in a month you had planned normally.
Knowing which month each annual payment falls in is worth more than tracking any monthly one, because those are the months where a routine plan is quietly wrong.
If one has already failed
Acting within a few days keeps it a minor matter, and the steps are in you missed a payment.