In the far distant days of my youth I was financially feckless and sadly that fecklessness lasted well into middle age. I should be a wealthier woman, indeed I would be a wealthier woman if I had been as careful with my money as I am now but you can't put an old head on young shoulders.
Anyway, no good crying over spilt milk. Things have now changed and I am rather more prudent. I wanted to mention two things which have facilitated that change.
The first is that a few months ago I won some budgetting software. It's You Need A Budget (YNAB) and I can't speak highly enough of it. The software which I won was a one-off download with continuing support and but sadly new customers have to take out a a monthly or annual subscription service which I would not find so appealing and I would have to think long and hard before I made the financial commitment to that. However, the general fact remains: I have found a method of budgetting which suits me and which I actually enjoy using. I never thought I would say that I enjoy budgetting but I enjoy budgetting!
The second thing which has helped me change is t'interweb itself. On-line shopping is a terrible temptation, there are sites a-plenty encouraging us to buy the latest this or the most expensive that, but the fact remains that for money saving ideas and strategies the web is superb. There are price comparison sites, cashback sites, coupon and voucher sites but best of all there are blogs written by ordinary people who need to stretch their pennies. There is an incredible amount of inspiration out there!
Thank you , all you lovely bloggers who share your stories.