A Dissapointing Start...

Bugger!

After 31 days of scrimping and saving I have managed to save the princely sum of £45.14! If I carry on like that it will take me 110 months to get to my goal of £5k!

I do a bit of a ramshackle budget, and the 'areas for attention' seem to be: water, phone, mobile, kitty (i.e daily spending money) and Council Tax. I've amended my budget to more realistic levels for some of the areas which should help. But I think some drastic action is going to have to be taken. I wanna be in credit by this time next month.

The fact that I've managed to get my hands on about 6 months worth of toiletries for not very much money at all should help...

I'm off to drown my sorrows with a hot chocolate and marshmallows. Sob!