Budgeting on an iPad at a window.If you live from one payday to the next, you’re not alone. In fact, according to the Debt Management experts at Intrum, 40% of people scrape by each month, desperately waiting for their next payday.Of course, rises in energy bills and an ongoing cost of living crisis only make this harder, with 24% of people admitting that they have no savings at-all.As we head into yet another tough financial year, Adrian Murphy, CEO at wealth management firm Murphy Wealth urges: “When things get a bit tight, people try to make their income fit their lifestyle, they’ll overs