示范答案：
Honestly, I rarely forget to pay bills—only once in recent years. It was a gym membership fee that I’d signed up for but barely used, so it slipped my mind. Unlike essential bills like rent or electricity, which I track closely, this felt like a "non-urgent" expense, and I didn’t have a reminder set. I realized my mistake when the gym sent a suspension notice, and I paid it right away. Now I list all bills, even optional ones, in a phone app to stay organized.
