Benefits for the well off

[SarzWix]

Trouble is that you end up 'living within your means' don't you, so if your income increases, your spending gradually rises commensurately. It's a slow and subtle thing that is so easy to run away with you, and then when something big happens, you somehow don't have the savings to cover it. Good on you for noticing and putting on the brakes

[pjh75]

It doesn't include bills - we pay these as and when they come through the door (never been a fan of payment plans - not sure why..)... which makes it even more crazy.

We are the opposite of this... all bills; mortgage, electricity, gas, water, council tax - in fact everything that keeps the roof over our heads comes out via monthly direct debit. So after payday, I track everything that is due to come out during the month and work out how much we have left to spend. It works for us.