Still having a lot of fallout 4 about to pick a faction to support but i like neither of them and witcher 3 just touched down in BW territory to finish in between R 6 siege games . Any recommendations i really have to pick up and play later ? I ' m in to just about any genre but sport games like fifapesmadden . <| sep |> later that same game <| sep |> Can u see her bank statement online ? I help new employees to manage their debts by doing the following in stagesStage 1 start with weekly income , then pay debt expenses and then put aside money for living expenses and what is leftover is fun money Step 1 understand her income eg she gets $ 450 from winz on monday nightsStep 2 understand her debt expenses eg she has to make $ 80 minimum payment every month for her CC therefore weekly $ 20 and she also has to pay $ 105 a week for vehicle loan weekly $ 105 and she has a personal loan where she has to pay $ 46 fortnightly weekly $ 26 Step 3 understand her living expenses eg rent is $ 195 a week petrol is $ 50 a week power $ 20 a week water is $ 5 a week I have ignored food in this exampleStep 4 set up a smart bank system we use ASB and set up and name the following suffixes as below as an example 00 is for eftpos referred to as a cash card , force the bank to turn off OD , they will do this if u insist 01 is Income WINZ and wages get redirected to here instead of 00 and it ' s also where Direct Debits should come out need to make the loan companies change 02 is Petrol 03 is Globug 04 is Water 05 is Food 06 is Extra 00 should be empty all the time unless u transfer money into it , to buypay for something . Step 5 calculate how much u need to leave in 01 so that there is funds there for DD auto withdrawals CC $ 20 vehicle $ 105 personal loan $ 26 rent $ 195 total is $ 346 change name of 01 to Income leave $ 346 Step 6 weekly , after pay day , u check bank account and leave $ 346 for all the DD and AP automatic payment eg rent . The rest you transfer into the other suffixes eg transfer $ 50 to 02 Petrol transfer $ 20 to 03 Globug transfer $ 10 to 04 Water the left over transfer to 06 ExtraStep 7 when u need money , take out your smartphone and transfer $ 50 to 00 and now u have $ 50 loaded on your cash card eftpos to buy petrol . The above example has no funding allocation for food and is based on an example scenario your mum pays for expenses and someone else pays for food . All the above does is make sure your debt expenses get paid , your living expenses are covered and any extra money is parked in Extra and if not spent , u can keep it . The analogy I use is imagine you have one big box and every week someone throws a whole bunch of notes and coins in there wages or WINZ and the bank grabs and finance companies grab their money this is what happens when u only have 1 suffix , a 00 eftpos suffix . Majority of people have this and it ' s crazy . I see people grabbing and spending money quickly because they worry their money will get taken away from them by bank and finance companies they end up being slightly negative and then get hit with penalties and reversal chargesMy setup is basically instead of 1 big box , have lots of smaller boxes with names eg Globug , WaterThe above only deals with survival . You need to do this for around 3 months . Then u can move into Stage 2 which is choosing 1 debt as priority 1 to eliminate . But if she cannot successfully climb the mountain that is stage 1 , you cannot overcome stage 2 . Good luck .