Sounds perfectly sensible
The fact that you're using a speaker box for a bedside table leads me to infer that you are not earning bucketloads of money.

I define a tightarse as someone who has plenty of money, but refuses to spend on minor things which most people (with less money) don't even think about.

Paying off your credit card bill immidiately is essential: if you don't, then you're an idiot for paying the interest.

There's only one suggestion I would make to you though: instead of using your card only for internet/emergencies, try getting one of the cards which rewards you - and put everything on that. For example, the Tesco credit card gives you Clubcard points - which you can use on many things, for example airmiles.

Over the past year I have put all my daily spending on my Tesco card, and now have enough Airmiles for a return flight to Cyprus - all taxes included! Just make sure you pay off the card in full every month, and you'll receive rewards for free.
(EuroSong I love horse meat: best of all the animals, Sun 26 Oct 2008, 16:06, 1 reply)

5% Cashback on American Express for first 3 months
Put everything on it, and then pay it off at the end of the month. It's nice only paying for 95% of everything.

Also, sign up to quidco.com - it's even more cashback, although be careful, the amount of cashback is often tempting to spend when you don't need to.

Love it.
(stevio is on the prowl for a girlfriend!, Mon 27 Oct 2008, 14:21, closed)