We do both as well! Fourteen years ago I was retrenched Yahoo- So we paid off the debts and seem to have blown most of the rest. OH has a good job - but who knows with things the way they are. I have never had to go back to work, I have trained for all sorts of things though as I love studying. We have discovered internet shopping and because I cant drive, we have lots of things delivered eg, Bread, milk, fruit and vegs. There are lots of sales at the moment with ridiculous discounts and a steady flow of businesses in trouble. I try to buy only good quality stuff that we need, instead of preparing for the Apocalyse like I used to!