I understand what you're saying Gaz, but I'm sorry, I have to disagree.
If you cannot afford all the CEs, you simply just don't
get all the CEs. I mean, fuck - I know what it's like to be skint. I really do. But, I'm usually skint from buying too many CEs
If I run out of money one month, and can't get some CEs, I cancel them, simple as that. I definitely don't want to, but just because I can't afford it doesn't mean I should punish someone who can, by forcing them to pay a percentage more, just to help me out.
Lots of people would probably disagree with me in one way or another, but that's just how I feel.
If you can't turn down a £40 profit at Christmas due to having kids that you need to buy presents for, then really you shouldn't buy the CE at all, and buy the presents.
I always have a budget for AJ's presents, and although I usually go over it and buy him more, if it was a case of "oh, do I get this CE for me? or do I buy him that present?" then I'd go for his present. I'd feel shit if I put myself before him (although he does get CEs too, albeit Disney ones, etc
)
I dunno, I just don't feel comfortable ripping people off for my own gain, even if some months I do pray for more money
xx