There never seems to be a break within the year when you don't have to worry about money funds, when we think about it, really it all starts from the very first day of the year - January 1st. Think about it, we have sales thrown in our face, just a week after Christmas, a big event that's already broken most of us money wise, then we're shown all these amazing deals, and who's one to miss a bargain?

If you're a parent, you've got to think about the back to school event too, yes my child seems to have a growth spurt every time, and off I need to go to Clarks to buy yet another pair of shoes, then there's the school trousers, it's not the 60's and so ankle swingers would not be turning heads for the right reasons, and has Spud's arms really outgrown his school logo jumper already!?

So off we go to buy uniform, and whilst we're out buying that, your child see's a new lunch box, of course he has to have it, and the matching snack box and water bottle to go with it, then there's the fresh hair cut that needs a visit to the barbers, then there's birthday's, my mum's and cousins just days apart at the beginning of January alone.

Going through the year we have birthdays - every month, sometimes one a week during certain months! Valentines Day, Pancake Day, Mothers Day, Easter, Fathers Day, Halloween etc, the list goes on and on and on. We can't forget how quickly children grow too, it's not just the school uniform that constantly needs replacing, but the general clothes and footwear too and what about you? Can you really get away with wearing those jeans for one last time? They have so many sew marks in they may as well of been a sample from the second hand sewing machine you picked up, not wearable what so ever but good to practise on!

Then there's the bills, the gas, electric, water, tv license, council tax, rent, subscription tv, the house phone, the internet, the food shopping, the other household essentials and all the rest I've forgotten about, because as soon as I pay for one another creeps up on me!

Sometimes I do wonder why I work, it's not as though I can afford luxuries holidays abroad in the sun, and it's led me to wondering apart from the never ending bills and events, what actually happens to my money? I made a new years resolutions to save at least £10 a week and as part of my resolution I made the choice to change to the 123 current account at Santander.

I decided I had enough of changing gas and electricity suppliers, and even home broadband too just to save a few pennies each time. I was moaning to my friend who'd asked me to attend a girlie Christmas meal catch up that I had no money due to an enormous chunk of bills that needed to be paid when she told me about Santander paying you money when you pay your bills!

I was a little sceptical but after reading the facts for myself I thought it was surely worth a try and so I made the change, the first of many and now a month on, I can't see me ever leaving! I'm now finding myself being thrifty and making DIY gifts for people's birthdays, I cut out coupons from magazines and as for free samples, every one I see I sign up for!

After all a penny saved is a penny towards a pound, every penny matters, especially when you're a single mum with no help from the dad!

Do you have any money saving tips? Are you a thrifty shopper or great DIY'er?

Until next time,
Jada x

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