Wednesday, 2 January 2019

New Year, New Problem - Eek!

Its the New Year, and this Christmas has been an expensive one!! So my plan is now as follows:


  • Spend less
How?
  • Make a budget
  • Balance transfer
  • Turn the heating down
  • Put on socks and a jumper
  • Turn the lights off
  • Walk more
  • Drive less
  • Use less water
  • Eat from scratch
  • Vouchers
  • Cashback

  • Earn more
How?

  • Get a different job / second job
  • Surveys
  • Competitions
  • Crafts
  • Baking from scratch
This year, I get debt free !! !

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