Kim is a mum of one and, after separating from long-term partner Ray, knows all about juggling household bills on a shoestring.
"I'm bringing up baby Jess on my own and I'm completely responsible for my finances," she explains. "Although I have to say my mum and dad - Bob and Rose - are round all the time and tend to give me lots of advice about juggling household bills on a budget."
Government Tax Credits are an important part of Kim's income, but she still finds that she sometimes goes overdrawn. So taking control is important and - with the daily demands of a baby - she needs as much help as she can.
This means Kim prefers to pay in instalments rather than big lump sums - and she finds Direct Debit helps her spread her costs really well.
