No *Really* I Truly Don't Know What I Am Doing!

I just ended up following my own blog!  Truly, what an idiot I am.

Anyway I have managed to untangle myself from that little escapade.  *Rolls eyes*.


WELCOME Aubrey Rose, my latest follower and, if I am not mistaken, my first overseas follower.  Lovely to have you on board.  I have had a little look at your blog and it's wonderful (more blog envy).  May I wish you good luck with all your goals and also mention, living without credit cards can definitely be done though it's sometimes not easy to start with.

So I don't know about you guys but I got rid of credit cards about a year and a bit ago.  I was going along just fine, then decided I wanted to use an Airmiles credit card so I could strive to get something out of it at the end of however long (i.e. a flight or a Eurotunnel trip at least) of using it for shopping, petrol or whatever else I needed to buy.  I am still a little way off a flight but not too far.

It does mean though that the old temptation of using a credit card is still there and I have to be so disciplined.  However having been debt free for a short while (I still have a mortgage and I constantly have to battle my overdraft even though it's approved:  I just don't want to owe anyone anything) I feel physically sick if I think about going back into debt for the sake of 'stuff' that I don't really need and can't really afford.  That part of my life, I hope, is over.

I read on the Martin Lewis's site that you should replace the word 'credit' with 'debt' - that stayed with me!  Very true!

Changing the subject somewhat, I did cycle to work today after feeling tempted to take the car "just this once" (yeah right) as it was so cold and windy this morning.  My God coming home at times was like cycling through treacle.  But I made it and that's saved me £2 on parking for the day.  AND I got the exercise.  I am however getting a lift from colleague tomorrow as it's forecast to be hissing it down all afternoon with 50mph gusts of wind.  Errrr no thanks.  I have offered her petrol money but she won't take it, she's so sweet.  Going to get her a little gift for Christmas whether she likes it or not!

Well that's it for tonight, I hope you're all wrapped up warm and cosy and not suffering too much with the cold.  We need to brace ourselves...this is just the start!  Yikes!

Take care & bye bye for now.
Edit:  I just learned how to do a link as per above!  This is exciting news people!  Whatever next??
x