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Don't get me wrong, I can see how shopping online can have it's advantages.
The thing with us was that we got into the credit culture, and like most spent above our means. Earlier this year we decided that things couldn't continue, so all but 1 credit card was cut up and we decided to go back to how my parents economised.
We now allocate cash for everything we need that isn't paid by direct debit (shopping, kids bus and dinners, child-minder, etc.), and over the last 8 months we have noticed an improvement in our finances. Although my salary has taken quite a battering this year, we now have more disposable income.
Horses for courses and all that. |
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