Finding the chase and cutting to it

On paper, January looks like the end of winter, the days are getting longer, work is in full swing, all should be good. The problem is, in the UK at least, the December pay check comes a week early and, for many, the next pay check is the last working day of the month… January’s […]

It’s been three months since my husband was made redundant. We were lucky, having already paid off our mortgage, he’s been able to use the money from the redundancy to just live and not pay off any debts. We had no car loans, and no loss of a car package with his role. We have […]

My rental properties were all on rated water bills: this is where a guess is made on water usage based on the number of people living in a property. So, this was a little frustrating at the time, but when I bought a house, this was one of the things I really wanted and got […]

I make around 180 decisions a day to keep healthy. Even using my “hybrid-loop”, I cannot leave it to just keep things ticking over because they tend to run me high and that causes me physical pain, or over corrects when I dip low mid-afternoon.. Quality of life is a key aspect most people don’t […]

December is one of “those months”. I am aware of families who take months to recover from the increased costs incurred, but actually, much of the fun a delivered for very little. Presents. A small something to unwrap is lovely, but when you get to be an adult, it’s just stuff. Lending a hand in […]

Last year, I saw an interesting take on the 12 days of Christmas being overhauled against the inevitable left-overs following the feasting period.  The is my version of that excellent piece of work. Really, that’s where you’re going with this, excellent? Not excellent, obviously. But it is my version… and we’re not aiming for 12 […]