I use this programme to manage my domestic budget:
https://www.elevenforum.com/t/microsoft-money-sunset-plus-want-to-use-in-windows-11.6521/
It was very useful for me a few years ago as money was tight. I basically did something similar to the op - allocated the known bills (council tax, mortgage, utilities, life insurances etc.), set monthly budgets/limits for spends on food, clothing, entertainment etc., added monthly pots for car/house insurance and other annual expenses, and forward projected that 12 months or more ahead to see where the red figures appeared. This approach made a huge difference to my money management and helped me achieve quite a few financial goals.
I’m sure there are other money management programmes available, but the one above is free to use.