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 […]

Hi, my name is Flo, and I’m in debt

Hi everybody. Well it’s a new year. In 2016 I started the year with  £5150 of debt. I was determined to cut back, reduce, and most of all stop spending money. Oh, and to pay off my debts. I clearly did a great job because I ended  2016 with  £5996.12 of debt. Uh oh! How did […]