The credit cards that used to be our flexible friends are not so keen to let us spend, we need to look at other ways of stretching our money further. All it takes really is a little self-discipline and you can make every penny count. Like the old saying says, if you look after those pennies, the pounds look after themselves.
It’s all too tempting, you’re looking to buy the latest digital camera but don’t have sufficient funds. The next day, one of those many pre-approved instant credit card applications falls on your doormat. However, this time, rather than putting it in the bin, you complete the application form and a few days later you’re playing with your new toy. However, a question arises: have you done the right thing?
