August always sees us short of cash as we take our annual holiday this month. Given the choice I wouldn’t, but with a daughter still at school, it’s tricky to take holiday other than the school holidays. It’s totally unreasonable though as you end up paying double for your holiday, just because the travel firms know you have to take your holidays then.

For us September is also a costly month as not only is it my husband’s birthday but also our wedding anniversary. Last year was our 20th Anniversary and even though I dropped many a hint, the silver earrings I wanted never did materialise. This year for our 21st anniversary, he had better get it right, otherwise I can foresee big problems.

After September, the build up to Christmas begins and so funds are shorter than ever. It is such a hard way to live, saving for this and that and reaching the end of the year, and then come January having to start all over again.

What needs to happen is a big win on the Lottery. I have played the Lottery since it started way back in November 1994, so surely my luck must change soon and my lucky numbers will be pulled out! Just think how much jewellery I could buy myself with no worries that hubby has got me the wrong present AGAIN!!