I think I under estimated the tax rebate I am getting from HRMC I might be more in the region of £300 I do hope so fingers crossed be a good start to the new year it is my daughters birthday at the end of the month would be nice to go out for another Indian meal to a restaurant were we live.
I am also thinking about changing my bank account to one that gives me an option of an over-draught facility should I ever need it (like today ) in this day and age I think I am the only person at work who does not have an over draught facility or credit card .I am aware of debt and the pitfalls with the both of these but I am also aware of we need to eat and I the fact that I also need petrol for getting to and from work .
I think one of my New Years resolutions is to always have access to money without getting in to spiralling debt . If I did get a credit card it would not be used to fund luxury items like a new iPhone or paying for a holiday it be used only when money is tight and for only essential items although some of you out there would class a new iPhone and holiday as an essential item .And they would both be zeroed out when I got paid.
Middle of the week hopefully tonight will be more motivated its been hard the last couple of nights returning to work mundane does not cut it , fucking boring does I feel I am working to pay the bills to pay my taxes to buy food so I can go to work to continue on the same path .I need to rethink my life live differently make changes alter my outlook , see the good and the positive things that happens .
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