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Children under the age of 13 may not use the Services and parents or legal guardians may not agree to these Terms on their behalf.Children under 18 years of age but at least 13 years of age may use the Site and App under the supervision of parents or legal guardians who agree to be bound by these Terms on their behalf, but such children may not rent or purchase any clothing or accessories (“Products”) via the Services.Before you ask no I haven't got anyone's credit card details.Instead take a look at some of the amusing feedback I have received by e-mail.Information about CVV2 / CVC / etc numbers can be found here: CVV numbers.As you can see these would be very hard to calculate without the bank’s keys.Thankfully, the Sydney-based financial expert, Canna Campbell, is here to help.

For anyone with a fear of budgeting, Ms Campbell says you've got to get over it and draw one up next.'What is your cost of living? Instead, you should be paying off the person with the smallest amount of debt first - as this allows you to gain momentum and tick off various debts in the process.'Look at your list all the time - morning and night,' she says. According to the expert, Ms Campbell says that identifying your habits will allow you to become a 'financial superwoman'.

As we creep towards the end of the Australian financial year, many people's minds will be switching over to their finances.

How much are you owed, what debt do you have and how can you settle up before the end of next month?

A very good article about the credit card number format can be found here: Anatomy of Credit Card Numbers As you can see below I get a lot of feedback about this page.

Thanks to everyone who stops by to write a note, it is appreciated.

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