I have three accounts, called them spending, bills and saving.
The day after I get paid, I move the total a out of all my bills into the bills account with about 20 quid extra to cover any increases.
So whatever is left in my spending accounts is disposable income - I know I don't have to worry about bills.
The day before I get paid, my spending account 'flushes' into my savings account. This facility is available with First Direct so you should be able to do it with HSBC (same group).
Then I get paid, restart cycle...