Cam Belt Due??

Hi all, my car is coming close to 40,000 now and is 5 years old. I have been advised that my cam belt is due, has anyone else changed at this low mileage or will it have some left? Money is quite tight and it isn't cheap so don't want to break my back if it has a few miles in it yet, anyone help??
 
It needs doing mate.You need to change water pump at the same time.Not worth the risk.Get it done!!!!!!
 
I've got all this to look forward too in November, my handbook says 6 years like the linked post does. Insurance, Cambelt + Service all in 1 month.
 
Ok cheers guys, looks like its going to be another few skint months :/

im also due a service and have tax mot and insurance due in feb at once, killer