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At last you answered regarding your cleaning lady. I to hate with a passion house work. I work fulltime with two horrid teenagers, dogs, cats, 4 x2, and with no disrespect you have a small appartment, single no animals!!!!!!!!! I have a garden to maintain as well. I really think you need to...

If I missed it????? You have not answered about the cleaner yet, are they still around?

More, lol. Do you buy newspapers and magazines? Go to the library if you do, or go without if you do not have the time to go there. Makeup, if you use it, are there cheaper alternatives? Some of my girlfriends spend a fortune on basic stuff like moisturiser's whilst I use just a basic oil.

Do you know where you do spend all of your money once you have paid all your bills? It can be quite confronting sometimes when you add up all of the little things you buy. Just a few things that might save a few bucks. No more take aways, at all. Do you pay for any beauty treatments, waxing...