Beyond Frugal: Bills Review & Self-Insurance.

When I set myself the challenge (and you too!) of having a no or low spend year I had no idea how things were going to develop this year in terms of this cost of living crisis….I am so glad I have been beyond frugal this year as it means I should be able to cope with this current situation. It seems like a good time to review how things have gone so far and double check that my bills and budget are as healthy as possible…..and that I’m making the most of the small amount of money I have in terms of savings and interest rates. I will also be talking about self-insurance as I had a rather massive and unexpected bill to pay…..