I have applied for another credit card, but wait, hear me out…

If you haven’t signed up for the Money Saving Expert newsletter then you are an idiot  I greatly recommend doing so. In today’s email they mentioned all the best ‘Free Cash’ offers for doing things you were going to do anyway. Including a Marks and Spencers 25 month 0% purchase card, which if you spend £100 […]

Payment a Day

My bank account as of this moment only has the exact amount of money left for the two remaining bills that need to come out before next payday. This is because of the following: I have transferred the bulk of the remaining money to my savings account. I have transferred the money that covers the […]

I started off with the best of intentions, honest! (Also NSD # 3)

When I acquired my first ‘didn’t belong to a bank I was with’ credit card it was honestly with the best of intentions. I have spent most of my employment history on a zero hour contract basis. A zero hour contract is basically a contract where I would be employed by a company on an […]

The pleasures and sorrows of over buying (and NSD #2)

My name is Flo and I’m an over buyer. The world is made up of under buyers, over buyers and probably a huge amount of sane normal people who buy as and when they need something. Lucky gits. I am someone who buys multiples of everything. Does a shirt I like come in three different […]

Better and Worse

On January 1st 2015 I bought a five year diary. Here is what I wrote 2 years ago today: “Somehow I have become a financial hell hole again. I don’t know how I do it.” Hmm, somehow I still hadn’t grasped the concept of spend more than you earn = bad times. Or to put […]