time to have a more formal TODO

TODO

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+For bills, there is too much to guess, need to ask:
+    frequency:
+        then I could work out growth rate
+
+
+
+MUCH LONGER/HARDER:
+    potentially for each bill_type, there are unique extras - e.g. THIS feels too hard:
+        water has 2 fixed charges (water & sewerage) and then a consumption charge (per ML)
+        elec has 1 fixe charge (daily) and then consumption (per kwh) BUT, also daily solar rate
+        gas has fixed charge and consumption
+        internet, kayo is monthly fixed (but can go up sometimes)
+        eweka is annual fixed
+        phone is messier again.