Time to take the scissors to those not-so-flexible friends
THE following items are listed on my December credit card bill: Nine Newbridge silver tree decorations ?90; six bottles of champagne ?180; six boxes of luxury chocolates ?72; three perfume gift sets ?147; two children's duvets with fairies waving rhinestone wands ?80 and one glittery tabletop arrangement ?30.
That's only the tip of the iceberg - I'll spare you the rest. But it's a hefty bill, as I imagine yours is. And precious little on it constitutes necessities - some of it doesn't even count as treats, judging by the amount of receipt-swapping and present-trading among my family on Stephen's Day.
Even as I contemplate meeting this credit card bill, I'm wrestling with the lure of the January sales and their invitation to run to a few more indulgences. Most of us are currently facing payback time - if not today then next week.