@TesterWA - that's mostly due to bad upbringing - I was taught to always have some money in my piggy-bank, to plan what i was buying, not that I had that much, but I was aware that money was important.
Anyway, I do have a budget, always keep an eye out for bargains etc. never over-spend etc.
little or nothing on the infamous 'get-it-now-pay-later' - my girls are the same.
At the moment I have a big spend coming up for a tree which needs cutting down, well many trunks which have sprouted from one, Eukalypt, of curse!!
Misspelt on purpose
Go well
Tau
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