Make a change and stop wasting money…

We always want a bit more of the green stuff, don’t we?  We love the opportunities that it gives us, and when we get to mid-life we think we're on top of our finances; after all we've been around for half a century, surely we should have a handle on it...

How to survive January

Let’s face it January is a rubbish time of year and statistically (and unfortunately) is the most depressing month of the year. The days seem long and mostly dark and overcast. It’s the time when payday seems like light years away, and all the glitz, glamour and fun of Christmas seems like a lifetime ago. But all of that said, January can be survived, trust me, here’s how;