I'm on a tight budget at the moment. Everything is paid for or budgeted for, except the christmas food shop which I plan to pay for on the 23rd when DH gets paid. If I can get a delivery slot for any of the supermarkets on the 23rd do they take the money before then? If not, is the money in transit, or whatever it's called? I really don't want to have to go in person to do my shop this year and will have the money, but just don't want it taken out until pay day.