A re-mix of a tune from 2023 - Reduce that balance ...In my case that usually refers to the post Festive season request from my bank to bring down the level of my overdraft.. Ah well .. and a Happy New Year to the world of finance.

Like most people with a nice warm bed to go to - the only time I really think about those without a roof over their head - is at Christmas.Those Hughie's out there I hope they found something OK to take them through the winter at the ver...

In the businesses I've been involved in " the bonus" was handed out like Oliver Twist asking for more - you don't deserve it - I may give you something - but I may not. I thought the Victorian era was more than 100 years ago - may be not

I find the bit between Christmas and the New Year quite a good time to "chew the fat" -( I love that expression )- think it all over. I won't get too reflective for too long - honest - but it does no harm to take a step back and reflect on stuf...

From January 2024 - Lurgy. In the UK post covid a fair number of people wear masks when it gets to flu season. We had the worst of it here before Christmas - but it usually picks up again once the children go back to school.