I didn't jump. I took a tiny step and there conclusions were : comments.
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(no subject)
Also, do you keep an updateable budget written down somewhere, so you can predict how much cash you'll have available at any point in the monthly cycle? For example, I keep an excel spreadsheet at work for this purpose. That way, even if my bank balance reads +£lots when I've just been paid, then I know I really only have +£sliver of money to spend, because of £X, £Y and £Z etc., standing/one-off/planned charges that'll come out before I'm paid again.
Sorry if all this is in the sucking eggs domain...