thanks so much misty. You have some really seat ideas. I will definatly pay more off my utilities and mortgage and car loan. I dont have any credit cards and never will lol. You are right. Things always come up. I think i just have to be really strict. I love the idea about buying woolworths vouchers. I might buy say a $20 voucher every fortnight. I will also stock up on things like toilet paper, shampoo, conditioner, nappies, wipes and things like that. I feel so much better this morning. Thanks so so much xx B