I’ve spent the morning on the phone to the tax office, a credit card company and a few utility companies about late payments. I have to say that everyone I have spoken to over the last few months has been very, very helpful and nice to deal with. So far I have not experienced any of the intimidation tactics that I’ve read about on US blogs. Each has offered me hardship arrangements if I need them and all have been OK with me having to pay late. So while it’s still very stressful, their attitude does help a lot.

Overall not much has changed. I am waiting to hear if I get the job and spending my days decluttering and enjoying have the time to plan & shop for frugal meals. I have got rid of so much stuff and I love it!  I will write more on that later. I have my weekly shopping down to $100 now for 4 adults. It certainly is easier to eat frugally when you are not working all day. There is time to shop and time to cook from scratch. I buy whatever vegetables and meat are on special and then make up the menu from what I have. I actually have come to really enjoy getting the bargains with the groceries! I have a price book app for the iphone which is really good for keeping track of prices and bargains.

So overall, I am still broke, still keeping my head above water… just, and I am reasonably confident things will change soon and I can start digging my way up and out of this.

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