November is roaring through like a express train and next thing you know it will be Christmas.
My spending hasn't really improved since last month and it's all small purchases, a coffee here, an item of clothing there and downloads from iTunes etc. I need to start leaving my debit card at home to prevent wasting monies on things that I don't really need.
So far I have paid £500 into my Freedom Fund and am on track to pay £300 into my Building Fund. As yet I haven't opened a 2nd regular saving account but have been looking around. Interest rates are not great as you can expect.
Turn on the telly or the radio and all you hear is how bad the world economy is and the crisis in the Eurozone. It makes you worry about the future but I have to be honest and confess that I haven't been effected at all by the current wave of economic crisis. I don't drive a car, I don't have to pay any power bills, I don't have massive holdings in the stock market. My only real expense is my tax bill. Yep - HM Revenue and Customs is my only creditor.