It's very difficult to have a budget for utilities if they're bouncing around all over the place. If they can somehow stabilize or make those payments more even, it really connects well for financial planning.

Her situation isn't devastating, but it does require immediate attention.

Spending means gratification now; savings means gratification later.

At some stage I'll maybe have to do something about it because it is very difficult to keep six players happy,

Words can be very powerful. I find them very difficult.

Every year, like clockwork, the utilities have come back and said 'We need an increase, we need and increase, we need and increase,' ... We are rather demanding now that you fulfill your responsibility to keep these guys in line.