Get rid of you're CC.,.....horrible thigns they are....i do have one but i dont use it...unless there is a need.


Groceries: hmmm tough one...start with the basics's i think and bulk buy thigns such as means loo roll etc. i have to as we get paid monthly so buying in bulk is a must. but i say do it on line less likely to buy thigns you dont need.

As for emergencies...hmmm tough on. car services have to budgeted in along time in advance in my house and kids clothing lay bys....

for bills i know are the same each month direct debt.....with water,gas and electricity.....do a payment system were you put so much on a fortnight/month that helps.