Wednesday, 15 October 2008

A new dawn of frugality

The routine is pretty apparent these days, we get home, chop some wood, make a fire, cook some grub, listen to the radio a bit and then go to sleep. The rain is pretty insistent this evening so the dog only got a casual amble around the field and TLB is out so I have the place to myself.

This was the month in which all was supposed to be well financially but things are turning out to be a bit of a struggle, after bills and £800 of debt paid off, I am grasping at the overdraft and feeling a bit miserable about it. I think I may be in some way incapable of being sensible with money, I certainly have no capacity to budget which means pretty much all financial transactions are a guess coloured by varying degrees of fear.

It seems to be very hard to live in the modern world but I can't blame that for my situation. Tax bothers me. 20% income tax rising to 40% over £35k, 17.5% vat, council tax, car tax and of course the fun taxes, petrol, fags, booze and gambling. Oh yeah, inheritance, insurance, air passenger, capital gains and farting taxes not forgetting national insurance and stamp duty. I don't earn a bean until after lunch.

Tax is not my biggest foe though, it is at least consistent. My worst enemy is temptation, luring me into dinner based traps or snaring me with convenience. I couldn't be further from my former house based lifestyle but still the expense of the modern world keeps abreast of my ability to out earn it. I think next month will be different, obtaining jumper and waterproof shoes and the like was vital this month and my only bills will be tent based next month.

I am resolved to sustain a degree of frugality hitherto unknown throughout November. No shopping or dinners of celebration, just head down to sort out some bulk wood and dog food acquisition. I hereby vow to keep the mpg on the car above 35 and will eat only in the subsidised canteen at work during the days. It will be hard not to buy jelly beans from the forecourt but I will try. Redemption will be mine.

2 comments:

Mum said...

November can be frugal but not on the 8th!Hee! hee!
Will give you a lesson in budgeting next weekend - I have obviously been in derelict of my duties for the past few decades....
x

Anonymous said...

Sounds like you're having a blast

 
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