your bank account

[Midnitemo]

my salary goes in every month and it goes out again....no savings as such....have assets not savings....my only concession to saving per se is to significantly over pay my mortgage.....will only get stung by the banks if they act on or just after payday....my payday changes every month as I'm paid four weekly so that's quite unlikely(as most people paid monthly are at the end of the month just after would be the most likely time)