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Re: paying for BB i do not have!
Why don't people take responsibility for their own lives? Read any contract you sign and if you are unsure about anything, ask.
You can pick up a decent diary quite cheaply, mine cost 99p. You could also use one of the many programs and sites including the calendar feature on here to make notes of what you need to do and when. Get yourselves organised.
If you are not organised it can cost you a fortune. Just look at all those companies offering you interest free credit for 6 months or a year. Many of them have an underlying interest rate of over 30% and if you miss paying off the loan within the interest free period you can be charged it from day one, not from the end of the interest free period.
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