Christmas is over, we're all back at work and the bank balance is very unhealthy looking. I don't want it to be another year of counting the days to the next paycheck. Nor do I want to dread anniversaries, invitations turning them down because I can't afford to go. So my one resolution is this is the year I finally sort my cash flow out once & for all.
My first nasty shock was to see exactly how much I spent on public transport, I can't avoid using it for work but hopping on the bus for short trips had become a habit. £55 on the oyster card in 3 weeks. I can't blame work as that's outside the oyster zones so a different budget. It's tempting when the joints are hurting, but exercise helps I just have to be firm with myself. This week I've used the bus once, it would've been 6 times by now & my pocket and knees feel better for it!
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