Concretejim:
How to save money and pay debts, as said dont spend it.
To quote the Charles Dickens character Mr Micawber
Mr Micawber’s famous, and oft-quoted, recipe for happiness:
“Annual income twenty pounds, annual expenditure nineteen pounds, nineteen shillings and six pence, result happiness.
Annual income twenty pounds, annual expenditure twenty pounds nought and six, result misery.”