I have experienced this 2 years ago. I was in school and living alone. I am the type of person who prefer to shop for things that can last me two weeks or 1 month especially food. It came a day when the money was over and I had two weeks remaining to get more cash. In those two weeks, I never felt the need to borrow because I had everything. I had enough food, source of heat and washing essentials. School was 10 mins away from where I stayed and so I had no need for fare. I had enough phone credits for buying bundles. The only thing I could not buy was my favorite fast food. Have you ever run out of money? Did you borrow immediately or you could live without it?