RIght, I have been a member of these forums for a couple of months now and am now armed with loads of advice. Now really is the time to tighten the seatbelts and start saving. I have been inspired to become a new person; I am going to rip up my endless lists of all the things that I have to do/am meant to do/etc and am just going to do them. So, that means I am going to make jam, pay off my overdraft, stop spending money online on frivolous (but sometimes rather lovely things!), grow my own vegetables...
