Ooh..That makes sense

I've had an epiphany. A sudden realisation bought on by my saintly spending habits (only spent £1.72 today and that was on essential cleaning items).

Firstly, they (not sure who they are) always say that you should pay off your debts before you start to save, as your debts cost you more in interest etc... So...once I've paid off the Christmas deficit, I should probably concentrate on trying to settle my car loan early - I'm aiming for June 07, instead of October 08.

But...in order to do that I really am going to have to penny pinch. It's typical me to try and take on too much in one go, and then when I predictably fail, I just jack the whole thing in. So, I've decided for the first part of the year I'm going to concentrate on saving money - finding out how I can get the best deals on absolutely everything. Then, the second part of the year will be spent trying to make as much money as I can. Two bite-size-ish steps towards financial freedom.

First things first, I need to find out exactly what that money which mysteriously sneaks out of my purse and dives out of my bank account...