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PS. It also used to be called "New England Living".

Programmable thermostats that have an Auto system mode allow schedules with separate heat and cool setpoints when in Auto mode. The same periods typically apply to both the heating and cooling schedules, but the heat or cool temperature can be programmed the same for any period if it doesn't need to change. Auto mode has the system automatically switch between heating and cooling to maintain the room temp within the heat and cool setpoints. The heat and cool setpoints typically must be a minimum of 2°F apart to avoid the system fighting itself by constantly switching. The business where I worked had Emerson Sensi thermostats with Auto mode. I programmed heat and cool schedules, sometimes six (eight a few times) changes per day, different schedules each of the 7 days. I don't know what was the maximum number of daily periods that could be programmed. Not unusual heating would run at opening on a cold day, then cooling later due to body heat from a crowd.

I use the bank app...a local bank. But I think the process is pretty much the same for most banking apps. I know I have 3 medical insurance bills, 3 utilities and 3 credit cards monthly. Quarterly I get a few of bills that I watch out for. The random ones, I hand over to DH to pay. He's a check writer. I pay bills once a month, usually on the 3rd or 4th. For those bills that haven't come in yet, I go fetch the amount due on line so I can just do one transfer and pay and get it over with. The medical insurances I do autopay. During COVID, I learned how to deposit checks remotely via the bank app too, and that's been a real time saver as I was still running to the bank just for deposits.