I did! I'm obsessed with money at the moment.

But it's mid June and I'm still not overdrawn!

*cheers herself*

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Stop trying to out pedant Claudio!

I'm surprised I haven't seen any christmas stuff on sale yet

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i'm trying to get all my finances back in the black, i'm not really struggling though, i just had quite a few big spends recently, then i can start saving for mortgages and things

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I am a bit. Things are just going up and up in price it seems - especially in the supermarket!

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Prob best to wait a bit!

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i've just gone and brought a limited edition print by jamie hewlett advertised through the royal opera house website
am eating noodles for the next two months

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LOL I hope it was worth it, bill.

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I'm a disaster, just finished a phase of compulsively buying art, which isn't working out for me
must re-read the links i made to the daily telegraph money saving tips
may bring in a flask of coffee to work

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My finances were great, then I went on holiday and overspent, now I am eating beans on toast for tea until payday! Happy days!

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My finances are not bad - I had a big re-organising of everything a couple of weeks back.

I am not using all of my overdraft, so I am reducing it every month on pay day by about £200 per time - if I don't have it, I cant use it. I will leave myslf with a safety net of about £50 overdraft, just in case.

I have just put a lot of money on my credit card (well over £1000) as I am using it to pay moving expenses, then I intend to balance-transfer that to a 0% and pay it off within the year, meaning I have to pay no interest on it. Once that is paid, I will cut it up.

I have set up two savings accounts too - one is a regular saver which pays 8% and I can't access the money for a year, making it an effective money saving tool. My other savings account is an e-ISA. The interest isn't the best on the market, but it certainly isn't bad. I set it up as I already have internet banking with HSBC, so I could do it with a few clicks.

I will deposit a small amount into savings accounts every month (around £130), plus I will be reducing my overdraft by £200 per month, as well as paying about £100 per month off my credit card. Overall it means around £430 per month will be going towards making me richer in some form or another.

For birthdays and Christmas, my parents are buying me premium bonds, just so I have another money saving-option. If they win, great, if not, I haven't lost anything. I don't have a massive amount of them, but over time it will build up.

Overall, not looking bad. The very start of lifetime financial security, I hope!

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