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hi, yes i overspend wen im manic,gratefully my daughter is an accountent and manages my pay which goes in to her bank accouts and we do most of ower monthly payments as direct debit. and she puts my pocket money in my bank weekly. food money goes to my other daughter that lives with me,and the rest is put to a joint savings account which ,i do not have or want card or account no,and we are doing great, out of dept, and now have savings and fixing my kitchen. ivi