Wednesday, 12 December 2007


Well, you may think it's a bit late to start planning your frugal Christmas - but be positive - there's plenty of time to start planning for Christmas 2008!
Frugal is not mean, miserly or miserable - it's being wise with your money to make it stretch further in the direction you want it to. It's a kind of game and if you're up for the challenge - you can get a bit of a buzz out of your bargains and your wheeling and dealing. But it's all in the planning -"Failing to plan is planning to fail" as one of my old teachers used to say, so if you're one of those people who are running amok with your credit card in a flat panic at 5 o'clock on Christmas Eve - you may just learn something to your advantage. Even if you think you know it all - well, you might just learn something new (or be able to tell me something!).

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