Never Again!

With Christmas over, I get back to the 'same old same old' of life. Now, though, with the added bonus of worrying bills landing on the doorstep (instead of Christmas cards).
A voice inside me is screaming " never again" and I realise that I could never live through a Christmas and New Year like this one. Flat broke doesn't begin to describe it.

So how do I and others like me cope next year! No one should borrow in this financial climate. But are others equipped with the knowledge and skills needed! How do you cope, when all you know is spend and throw!

So, in I dip, to my grand-mothers magical book. Stained, dog eared snippets of wisdom. Wisdom that helped her survive 2 world wars and the depression of the 1930's.
I will bring the tried and tested ways up to date and will welcome readers pearls too!