I have lurked on this site, and I even posted a bit under a name I cant really remember but now I need to make a real effort. Due to various stuff at work my salary has just taken a jump downwards.

My reaction to this (and in fairness a pretty rotten Christmas) was to spend money like crazy. When I realized I was actively avoiding looking at my credit card totals I knew I had to do something.

So I have posted here to try and encourage myself to start moving forwards instead of backwards. It's time for me to get serious.
This discussion has been closed.
Latest MSE News and Guides

Boost your Nectar points

Get up to £25 in bonus points

MSE News

Ask an Expert: Scams

Watch MSE Katie's answers to your questions

MSE Forum

Hot Diamonds 40% off code

Including already-reduced outlet stock

MSE Deals