*beaming with pride* I have just sent off the cheques that will bring my debt down to £14,958, that is a whopping £6263 paid off since I started this year of frugality. How marvellous. OK, so by this point in the year I wanted the whole £22K paid...

You know the Government is now making a bad bank of all the crud left at Northern Rock, well...even though we have never missed a payment on the mortgage, it looks like we may well be tarred and feathered alongside anyone who was fool enough to take...

I alerted you to the fact that Threshers and Wine Rack are closing - there are some seriously good deals on wine at these places at the moment. EG at our local Threshers it was a bottle of wine for £2 a pop.

...incidently, did you know that your debts live on after you? Pffff So in naming my benefactor this evening in terms of who gets my life insurance pay out, I'll also be naming the person that has to clean up my financial mess when I'm gone....

Thanks to the fabulous MSE email for this If you still haven't got around to writing your will - like myself and the long suffering Mrs Frugaller - then have a look at this and get a will done Free of Charge...