I never seem to have any money spare yet all of my mates spend like it's going out of fashion. I don't want to have an overdraft and I have some credit card debt. This really worries me though, but my mates just don't seem to care.
It's like they will hit a wall at some point and just have no more money at all.


Whose right here? me or them?

Just mnake sure you keep a balance. If you never carry any debt, then you will miss out on various opportunities or offers. If you live entirely on debt, then you will ALSO miss out on various opportunities or offers as you have a large debt to service.

Stick in the middle, and you can make use of teh extra money, keep your credit record moving in a positive direction.

Just don't overstretch yourself is the rule.