My evenings are when I need to focus on working towards my goal of paying off my debt in 2008.

The night before last was a very bad night, I didn’t do any outstanding work, wasted the whole evening on e-bay and spent over £400.00 on golf clubs, so it couldn’t get much worse (though I did managed to list my private number plate with bids starting at £1000.00)

Last night I did manage to finish off a task for a client that needed to get done and emailed this morning to let them know, so I can move onto the next task.

I feel a lot better that the task is complete, though I should have started earlier than 9pm and I could have either done more, or finished earlier and got more sleep.

I received the late payment charge for the credit card I forgot to pay over Christmas so that’s a waste of another £12.00 (as well as the thousands in interest every year!!!) and another blot on my credit rating file.

I haven’t received the last several statements for this particular card so that only serves to emphasis that I should MANAGE this myself.

I’ve kept the letter handy as a reminder to log all my cards, balances and payment dates over the weekend. This will be posted by Sunday night at the latest, so watch out for it.