I was sitting at work this morning and a H&M marketing email popped into my inbox. I usually have a quick look and file in the miscellaneous folder. This morning, as I have accepted the job offer, knowing I'll have a little extra to play with next month I find myself itching to reach for my credit card even though for this month I have about £3.00 of my own personal income left as its been a few busy-ish weeks so far. The total comes to £35, but I've already spent £50 of my pay rise money/ the 2.5 days extra holiday I'll get paid for part of the BF's birthday present. Do I freeze my cards in the freezer as mean queen suggested, keeping only my joint account card for emergencies? What do you guys think?