2010 - actually listening to myself!

I worked out a monthly finance budget (nothing new there) and then I stuck to it (completely new concept).

I have actually ditched a few bad habits.

Jamal now gets a lift to college with his mate in the morning, so how detour to college which saves petrol but also no detour for a mc breakfast when he charms me.

Take bottled water (refilled) when I go anywhere. Free coffee at work (and milk for my cereal). I never buy Starbucks, Costa etc, just don't even consider it.

Leftovers for lunch everyday. If nothing was leftover then find something at home to make a sandwich.

Breakfast is box of cereal in my filing cabinet, eaten with milk from the kitchen at work. No temptation to make a purchase. I don't like to eat first thing in the morning so this is a good solution for me, and saves a mid morning run over to the shop.

Meal planning is working for me too. I just do a few days at a time, anymore than that and it all falls apart. Combined with my new style shopping (veg box etc)I am really saving some money. No waste but also nothing waste by excess.

I have changed my car insurance provider to save £80 per year & get £70 cashback (wonderful Quidco).

What can be next........