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Get off my land

6 April 2010

The activity on my bank account will sound familiar to many. There is a fleeting moment each month when it looks healthy, followed by a whole host of direct debits which whittle the balance away until I am back to the economy drive position of grumpily and hurriedly making sandwiches at home while already running late each morning in a bid to stave off the overdraft until next pay day.

On occasion I am asked to confront the numbers in black and white by my husband, who loves his spreadsheets and takes responsibility for our household finances. We then consider the nature of these many outgoings and whether any of them are disposable frivolities. The answer is always negative.

First, there are those payments which keep a roof over our heads with heating, lights and running water. Pretty important then. The next large category is insurance – for everything including the cat. Some policies are obviously not optional, such as those for the cars, where allowing others to...

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