Hello Daughters ...

Daughters, Sons, that covers everyone then ...

Apparently, a third of Britons are so stressed about money that they worry about it daily. Whether its the current financial situation or the outlook for the future. Well, we're not surprised really, are we?

Mainly:- don't spend more than you earn. I know that's easier to say than do, but once you're into meney saving routines, you'll get used to the idea. It's a bit like going on a diet or training yourself to go on a healthy eating plan.

Some random ideas for cutting financial expenses:

* Check your tax code is correct. Millions of people in Great Brittain have the wrong code.

* Check you are on the lowest phone tariff suitable for your use.
* Cut down on unnecessary text messages: When you make arrangements with someone, try to keep to them. [this will avoid multiple calls and text messages].

Repair: Try having your washing machine / TV / fridge seal / cooker ring / repaired rather than buying a new one.
Repair & Dry Clean: Clothes, hems, buttons rather than buy new ones.

Travel: Group your collections/ delivery projects into one journey.
Travel: Car share.

Play out: Every night doesn't have to be a run around all the pubs followed by 3 or 4 clubs and an expensive taxi home. Change the plan. 'Staying in is the new Going Out' Pick up a board game from a car boot. Play cards. Set up a short tennis net in your / your friend's garden. Take your mates for a walk somewhere you haven't been before.
Join a running club. Get a bike [Last week, one was sold for £6 !.

Phew, eyes rolling already ... must be time for my chocolate fix ... oops, not having chocolate this week [part of the saving routine I devised last week]

Jill