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you've missed the point that other things can happen in a month that aren't budgeted for, such as car problems, vet bills, household emergencies etc. Then having a direct debit come out EARLY can be the straw that breaks the camels back, even if a person has budgeted sensibly. you may not have...

have i put you on my ignore list? No. My signature does indeed state that every person is entitled to an opinion, it just so happens that yours is wrong.

Has anyone heard anything official from the club yet?

And i'm sure your 'better than thou' attitude towards others finances is sure to piss a few people off. There are often unforseen circumstances that cannot be budgeted for that can put an already stretched budget on the limit. Direct debits are supposed to be a set amount leaving your account at...