When the Penny Drops

Yesterday we got paid. But today is the day when most of the money goes out from our account. At least we know where we stand for the rest of the month. P doesn’t like to get involved. He leaves all the responsibilities for me. I on the other hand, got obsessed checking the account every few hours on these two days. Not that it makes any difference at all. In the afternoon, I check the balance and calculate how much direct debit left to pay until the end of the month. (Almost all direct debits are scheduled on the first day of the month, which helps us seeing the rest of the month clearly)

Then I check the credit card balance and then together we decide how much we shall sacrifice that month. Few months ago we got a letter from the bank with useful tips on how to pay of the credit cards quicker. One advice was to pay more than the minimum payment, to avoid additional interest fee and try not using it until the next statement. Therefore each month we try to pay as much as possible towards the credit card and stop using it until after the cut off day.

I bet there are many other useful tips. What advice would you give to a shopaholic couple?

Tea Time



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