Oh I do both though I am fairly careful and need to have a back up system for when I can't work such as the school holidays. I am paid for the days I work so after closed schools in August I don't get paid in September and have to wait until October so need to have a reserve pot. I don't like to be without money but will treat myself and always pay off credit card in full each month and earn myself card points to spend in Marks.
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