stay out of debt

I was feeling a wee bit overwhelmed with the amount of purchases I was making and so I planned to cut down for a fortnight and it has helped. I used a spreadsheet to figure out when I’d next have disposable income I could spend on frivolous things.

I still haven’t fallen back into debt. It’s been 6 months since I paid off my credit cards (we refinanced the mortgage we we got married) and I owe ZERO, even now in the week before christmas.
Still, I have been buying a bit of junk – so I’m not saving as much as I could. That’ll be my next goal.