Sorry, I meant to introduce myself! I've been lurking for a while. Essentially, DH and I always spend slightly more than we have, we have no savings and £3000 credit card debt. It doesn't seem to matter what our income is - we actually did better when I was on SMP because we watched it all the time!
We spent all our money by the 15th of the month and have been scraping by ever since. DH got a partial refund for the broken TV so we've got a little money to get us through til payday (which is Wed). We thought enough's enough and the new leaf is starting now. I downloaded Good Budget and we've been filling in all our transactions. We're now down to £42 and I think the electricity bill will come off on Monday (£38), but on the plus side we have lots of food and diesel and we can make it to Wednesday now.
Please can I join this thread? I need it!