Well, it is nearly Christmas 2008 and I have overspent again! I am going to work really hard in 2009 to budget really hard and save money! Over the weeks I will be looking at how we spend our money, and how much of that is money wasted rather than money enjoyed. Hopefully by the end of the year, we will be saving hard, and the money will be in the bank, ready to pay for Christmas 2009.
Am guessing it is going to take some time to pay off the debts of Christmas 2008 mind you!
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