I buy a page a day diary in September, and I record in it all my 'financials' for the following year, money going in and out on certain days ( mine and OH pensions, etc). then when I spend anything I take it off the total and have a really good idea of what is surplus.....not much these days!!
I have been doing this for quite a few years, and find it very handy and also therapeutic to know when and where money is going to.
Good Morning Sunday 16th August 2026
Is Trump's Pointless War Still Rattling On And On And On.......

