I've always lived by one moto. If I don't have the cash I don't buy it. Simple. (Home loans excluded obviously) Never owned a credit card and never will.
I find with direct debit you usually pay 10-15% more then if you pay annually so I use similar system to what Darren mentioned. Works for me but obviously not for everyone
...and yeah 250-300 for food a week is just crazy...shop smarter and enjoy the savings![]()