for the first time in many years i have actually gone overdrawn. I am quite sad about this, as i thought that when i got my frist job and was living in Chesterfield, that those days would all be over.

I clearly need to start cutting down. I think one place i am going to do that is buying food. I know how much i need, and i can certainly buy enough to last without need to go and buy "extras".

When my abbey and mnba cards are up (abbey will be paid off, mnba will not) i will transfer the money into a new low interest account, and do a BT for my capital one. I feel certain that i can now get a lower rate and one card to pay off each month is going to be easier than remembering to do three.

I'm also going to take a look at what else i'm spending. I've changed from buy albums to just buying single tracks - so that will save.

Maybe i should forget about the PT sessions. It's a lot of money. Money that i could chuck straight at the credit cards. Now Alex has gone, but i am still motivated (balance, aeroskip, circuits and combat each once a week!) do i actually need a trainer?

I could put half towards debts in fact, and half into an ing account for expenses like car mot/servicing etc.

I am going to crack this.

Oh hmmm. I just spoke to Harriet. She sounds very good. It looks like i might have to try and find other cuts...