Have you discovered how to save again ,have you stopped wasting money ? I know I have went into town today to take my son to the optitions ,I was very proud of myslelf all I brought was wrapping paper and chocs for the tree.That was all I needed at the moment and that was all I brought last year I would have been tempted into the shops,I really look before I spend a penny these days,have you realised the value of money again like I have.