I’ve just looked at my credit card statement, and… oh my god. How does one girl manage to spend that much money without even noticing?! I’ve always been inclined to laugh at my extravagant streak and see it as a character quirk instead of a flaw, but this is no laughing matter. I’m going to end up in serious trouble if I don’t stop this.

Today is payday, which is as good a time as any to make a fresh start with financial habits. So, this month:

• Stop eating out so often. Cooking for myself is cheaper, healthier and more enjoyable. Make a meal plan each week and grocery shop at the weekends – my lack of organisation here is costing me money. Have some quick-and-easy meals in the freezer (you know, the new one that’s partly responsible for the whopping credit-card bill :-p ) as an alternative to take-out for tired nights.
• Stop buying books. This one sucks, but it’s unavoidable. Thing is, I probably have a ton of forgotten treasures on my bookshelves. Find some of those to re-read instead of buying new ones. Maybe join the library.
• STOP getting taxis into work! That was a plan for getting me in on time that backfired very badly. Walk, for god’s sake. Get mornings under control so I can leave on time.
• STOP using the credit card! It is NOT free money. If I can’t afford it in cash, I can’t afford it at all.
• Start taking my own lunches into work again. The canteen food isn’t expensive, but it all mounts up. This should be easy if I’m cooking at home, cos I can just make double portions.
• Treat myself, by all means, but only if there’s money (cash money) left over at the end of the week.