I'm very poor at celebrating my small victories but this time (no champagne though!) I have reason to be happy.
Last month at the same time I was £1,500 overdrawn with over two weeks to pay day, but looking at my account I notice that the belt tightening, stringent plans are starting to pay off.
By the way this reminds me of the language IMF uses when handing out 'loans' to Least Developed Countries - especially since there is no security.
Anyway, I have managed to cut down on my spending by £507 so far and what is encouraging is I have no major bill pending till end month (Rent! Loan repayment Aaargh!)
So I'm in a good mood. What do I do when things are looking so well for me this month?
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