oh god tell me about it with the debt, me and hubby got out a loan to reapy all our uni debt but instead of doing it we went on holiday and bought a car and just general silly spending...so ended up with double the debt!
Been working real hard to get the debt down and have only 11 payments to go - once that gone we wil lbe £700 a month better off.
i know you said you use cash, but lloyds do quite a good current account which shows you what you spending all your money on and helps you work out how to cut it down.
I think being a work my down fall as il take out £20 in the morning to get breakfast, then il buy a mag then lunch, then maybe something on the way home - and by the end of the day it gone - and repeat 5 days a week!
im also one of these girls that when i see a sale (esp on baby stuff) i cant help myself - i must get something, because it a bargain and would be stupid not to no? Where actually i didnt need another ball pool or inflatable bunny even if it was 50% off.