Money money money

Swiftly (and I mean very swiftly!) moving on I'm pretty pleased with myself. I tend to avoid looking too closely at my finances. If no one is knocking on my door demanding things that's pretty good. I know I am not getting a payrise this year though so for once I did sit down and go through my bank statements and credit card statements to see what I could rationalise. By killing a magazine subscription here, an uneconomic life insurance policy there, a few other things and finally by not taking an upgrade on my cellphone but dropping it to a "SIM only" tarriff and lowering the minutes I've managed to scrape back about 65 pound a month. Pretty chuffed with that!