Time – I don’t have enough

My Dad has a saying, ‘time solves everything’. When I am feeling cynical I think that’s because I will probably die before I get to the end of my to-do list and then I won’t have the to-do list anymore. When I am feeling more optimistic, I get it. The thing that is causing you to worry today will probably worry you less in six months’ time. The exception to this is DIY. Putting off a small leak will not be less of a worry in six months. It will lead you to the event that happened to me earlier today… getting a joiner in to replace the part-rotten bathroom floor.

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How can we get a sense of value at Christmas? I try to spend wisely

A few weeks ago I went to Tesco for some toothpaste on the way home from work. I ended up putting the Harpers Bazaar Christmas special, a Johanna Basford Christmas colouring book and Mr Kipling’s Christmas cake slices in my basket. That’s what happens to you at this time of year… you lose all your senses amongst the Christmas music, aisles of glitz and dreams of curling up in front of a fire with seasonal reading. I don’t even have a fire and I definitely haven’t read the magazine yet. I have started the colouring to get out of the ironing, though…

Most of us will spend much more in December than we earn. We might have started putting a bit of money away for the last few months in anticipation and many won’t have had that luxury due to the cost of everyday living and will be looking to credit cards and loans to get through Christmas. Regardless of how you plan for it all… chances are you have a growing list of expenditure for the next few weeks with no end in sight.

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