Will be a very tight 2013

I am going to have to use all my frugal ways in 2013 - our income is going down a huge amount and its going to be a struggle. So I will be blogging more as every penny will have to be accounted for - there are going to be some very hard times ahead but I have managed on very little before and will do again.. So heres to a very challenging New Year - best wishes to everyone....