DISQUS

Interesting article. I must agree that it is not easy to be inspired by people who have little but money in the bank. I do often feel very jealous though, if I see people who seem to have everything they want even if they do have lots of debts. It is tricky to know who is the best person to associate with.

I know people who refuse to eat breakfast as they say that it helps them to lose weight. However, they are overweight and so I am not at all convinced that their theory is correct. I always eat breakfast and am in a daze if I do not eat.

This sounds like a great idea. We tend to pay some bills yearly because it is cheaper than paying them in installments and some bills we have to pay yearly such as car services etc. It is a great idea to start the year wit a bidget frecast and calculate when these expenses are likely to come so that you have the money ready when you need it.

I dislike the charity workers in the UK who try to sell you monthly subscriptions in the street. Most people do not know that they get paid commission on the sale - probably equivilent to your first years payments.

I gues syou have to decide whether you can afford the more expensive schooling that is not Catholic or whether you want to risk being in a school with a worse education record. In your situation I woudl go for the Catholic school too. I was brought up as a Christian, stopped believing at 9, started again at 11 for a few years and then stopped again. I went to sunday school and church until I was about 6. My school taught Religious Education and we had religious assembilies once a week. I feel that it has been very useful having a knowledge of Christinity even though I choose not to believe in it. It means that when I attend church for weddings etc I knw the hyms and understand what is goig to happen. I also have evidence to back up my arguements for not believing in God. I think it is fair that children are taught about religion so that they can choose themselves what to believe in and this is a way that they will get that education.

That is so very true. I do think that if you are not naturally self-disciplined then it is very hard to change. My husband is not at all self disciplined and I am extremely disciplined. This meansthat we have a relationship where I nag him and he tells me to relax - surprisingly it works very well! I do feel sorry for him though, as he tried really hard to be well discipline dbut it just doesnt seem to be in his nature.