Well it has been four months and, although there have been a few “expensive blips” I was able to pay what my colonial friends would charmingly refer to as “tuition fees”, out of my current account without going over my overdraft limit.

On the downside I don’t own a motorbike, a pony, or a foreign holiday this year – but it’s all a step in the right direction.

Not going to close this one quite yet – as an acknowledgement that there is still a way to go.