Friday, 25 January 2008


If you don’t know where all your money is going (particularly after an expensive time like Christmas) then keeping track of every penny you spend by jotting it down every day for a month (I use my diary) is a very useful exercise. You’ll learn a great deal about where your money goes each week - especially if you get yourself take-away coffees, muffins and sandwiches every day! Economising on even one thing every day may just help you get that Christmas credit card debt paid off all the quicker.

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