Curiosa's Guide to Financial Management Part II

1) You can't spend money you don't have. Technically, thanks to Visa and American Express, you can, but this is ill-advised.
2) You can't spend money you can't access. Somehow demagnetize your credit card the Friday before payday so you can't touch the money that has finally been deposited in your bank account. This is particularily frustrating when you know you have money in your account, and its genuine, rather than feigned, surprise when the card doesn't work.
3) Revert temporarily to the tactics suggested in Curiosa's Guide to Financial Management Part I.
4) Continue to post lists on the internet which might get you sympathy cheese, which is particularily tasty with knäckebröd.