OMG. Is it me or is everyone broke already this month?
It's only four days after payday and I'm already up to my £700 overdraft limit.
How did this happen? I'll tell you what Christmas and New Year happened, despite my mantra that staying in is the new going out, I still managed to blow my budget on doing just that!
January can be depressing enough what with going back to work, the cold, wet weather and not to mention this blooming credit crunch (I hate calling it that but hey it's happening)
I had a couple of bills that I put off paying until this month so I guess that's what broke the bank for me, normally I would just take it easy and ride the poverty storm but this month I have two birthdays and Valentines day to shell out for.
I refuse to ignore my beautiful mum's birthday even if she would rather forget about it, as this is the women who has bailed me out financially on a couple of occasions and I owe her everything because not only did she help me out but she made me see the error of my ways. Yes I am still in debt but at least I'm more aware of it and trying my dammed hardest to pay off my debts slowly but surely. She of all people knows the intricate details of my money worries and will probably say she doesn't want anything for her birthday so I am sure she won't mind that her birthday present was bought in Debenhams blue cross sale.
But prehaps just this once I will have to forgo the commercially forced celebrations of Valentines day and be original and think of a homemade way to celebrate my love for *loml. I am sure my other half won't complain at some old fashioned home entertainment instead of an overpriced meal in a crowded restaurant! Well I hope so because that's all he's getting this year.

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