hat’s certainly what it feels like this month ( and last month). Now I know we are not the only one’s in this predicament and that there are lots of people a lot worse off than we are. However, it is difficult to stay positive and not panic when you bank balance literally disappears before your eyes. This month alone has been my youngest’s birthday. Something I normally budget for and this year although I frugally sourced everything it still was difficult to cover. That was because we had so many things to pay for!! There is no other way to say it but we just had loads to pay for!!