So New Year is fast approaching and another year has passed you by.  I have spent a lot of this year re-evaluating and thinking of ways in which I can change different aspects of my life.

I really could do with being more efficient with my money, especially as i would like to start saving for a deposit on a house.  Hopefully a change in attitude towards spending will help get me in a position where I can start putting aside money on a regular basis.  But is this easier said than done, or is it actually achievable ??

I guess it is all a question of exactly how much i want to achieve my aim of saving a deposit up.  Maybe a re-visit to this blog at New Year 2010 will answer it.