and then the Moped you brought to replace the car breaks down !

Obvious things to cut down on whilst in Debt Fuel Bills, Food Snacks, Going to the Pub, Eating out, walk rather than go by car, cut down smoking. One evening, get out your Bank Statements and go through every Direct Debit and every item you've used your Debit Card for, then list them. From the list make three decisions on each. 1. I need it 2. I need it but can cut it down and 3. I don;t need it, it's a luxury. When you're up and running again, do the same. In fact, do it every month

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Hobbies and Interests ,
Health & Wellbeing ,
Kent Cricket ,
Ashford in Kent ,
Growing up in the
50's & 60's

WW1 Battlefields Ypres
Cycling John O'Groats
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