Only use one low interest credit card – or even better obtain a bank debit card and only use your own money.

If you get paid weekly – payout weekly, and don’t sit around waiting for the account to come in.

Most people have a good idea of how much a recurring debt will be. Most suppliers offer payment booklets or Australia Post facilities. Pay these accounts from each week’s income – you may even end up in credit

• Utility bills – electricity, gas, telephone
• Car insurance
• Car registration
• House & contents insurance

Health insurance & Income Protection Insurance

% off credit card balances and store cards.

Car payment

Mortgage

Rent.