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I never have direct debits now unless I can help it as sometimes they can vary on the payment date and I've put in cheques before expecting them to clear in time and they have always ended up being one day late on the cheques so the debits have bounced.
As someone said before, good money management is the key and not relying upon possible payments which I have done in the past waiting on networks to pay me on time or waiting for a merchant to clear their invoice so if I'm expecting say £15 and I spend £15 but one merchant doesnt pay on time, and I only have £10 then I know I'm buggered.
So unless money hits the bank then I dont plan on that expenditure.
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