This week's major highlight was the meeting I had with my bank branch manager - we did not agree for the simple reason that I felt he was more interested in me consolidating my debts (in other words take a loan!)

But what came out very clear was the fact that I need to be more diligent with my money. Currently my account is highly overdrawn! (£1800!). My strategy to invest more in my Cash ISA - looking at the long term (which I must the rookie failed to see) So I have been mulling about my strategy.

If you find yourself in a ditch, stop digging!

My strategy for the coming two months will be geared towards clearing the overdraft.