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 […]

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 […]