As now I can count the months down almost with the fingers on one hand it is time to reflect on what has past and look at what is in my future. With July approaching and a bottle of port waiting to celebrate sealed in it’s display box. It has been 10 full months since I had a good friend sit me down, be it with some resistance, and make me look seriously at my financial situation. Honestly I cannot thank them enough. Thinking back I remember how I had realised where I was leading myself and that I had to do something about it. But the plan I had was to stress out every pay, look at my bills expenses and set that aside. Pay bills and then whatever remained I split out a small amount for the fortnight and the rest went to the credit card. This has inherent problems and a trip I had planned to go to Tasmania which threw a massive spanner in the works. …

Read More Read More