Similarly, people prefer to pay for health club memberships by the month or year, rather than by daily visit, even though studies show that the vast majority of people never use the health club enough to justify the annual cost.

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However, when using a store card, make sure to pay for your purchases in full by the end of the month because these cards generally have interest rates above 20% which can quickly eliminate any benefits the cards provide in the first place.

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They then pay either a fixed fee or for the amount of electricity produced by the solar panels each month.

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Pay-as-you-go allows customers to pay for data access on the Sprint 3G and 4G networks by the day, week or month with no long-term contract.

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The Times model looks similar to the system used by the Financial Times, which lets readers see 10 articles a month before making them pay to see more.

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It's a recovery that will be measured by whether jobs are being created and families have more money to pay their bills at the end of each month.

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