Today’s gonna be a good day

Even though today is a day off work for me, when I woke up naturally at 6am, I decided to get up. I checked all my credit card statements as it is the point in the month when they get released and I crunched the numbers on one of my many, many spreadsheets and from […]

A review of this week

I’m bending the rules a bit here as there have actually been 8 days of the year so far, but I thought I would do a little review of where I stand statistics wise, and Sundays always feel like a nice day for reflection. NO SPEND DAYS (NSDs) = 3 SPENDING FOOD/HOUSEHOLD Tissues £0.80 Milk £1 Bread £0.50 […]

I am doing better than the national average person

Hi everyone, I have been awake for about 45 minutes and in that time I have learned something of value to a person in my situation. According to a new report by the TUC, full details of which can be found here the average household unsecured debt in the UK is £12,887. So my debt of £5996.12 isn’t […]

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 […]