Who am I kidding.  It takes until June to clear up from Christmas!

Now is also the time to face reality about the amount of money that just seemed to have vanished when the bank and credit card statements finally get opened. Don’t worry too much, I’ve been on the case for my own sake and I’m not too mean to share my lucky find with you. How would you like to save 25% or more off your electricity bill? That is without the need to change suppliers and is totally legal.  Yes, I thought you would.

Don’t forget to take your old Christmas cards to ‘Smiths’ or a charity shop that is recycling them. And you’ve kept the used stamps for charity haven’t you? oops!