What don't people understand about 'living within your means'?

I have two credit cards, one for GBP transactions, the other for foreign currency purchases. I've set up electronic statements, and text alerts from the card-providers when my statements are available online, and eight days before payment is due.

When I get the 'statement available' text, I go online and print my statements, check them, then go on my online banking and set up payments dated to leave my account in time to arrive with the card-providers by due date.

When I get the 'payment due' text, I check that I remembered to set up the payments (invariably I did).

I pay my cards off in full every month, never missed a payment, never been late, never paid a single penny in interest or overdue/missed payment charges.

It's simple, and it's called 'being organised'.