What a waste(r)

As with many of us, the odd 'epiphany' moment comes at the strangest of times. Personally, mine seem to pop along in the shower or on the Tube - namely, at a time when I've not got a pen handy to record it.

Anywho, I digress...

Nights out are credit crunched

It's hard trying to pinpoint the exact effect the credit crunch has had on me, but I think I've found it.

It's not that I've suddenly become panicked and have decided to move back in with my folks to save money. (To be honest, I'm not sure they'd have me, but that's a moot point.)

It's not that I've decided to attempt to take advantage of the wreckage and have thought about embarking on the property ladder.

It's not even that I'm completely ignoring the potentially catastrophic impact it could have on my (poorly run) finances and carrying on as normal. In fact, measures have been taken - making lunches at home (I'm no Gordon Ramsay, alas), no longer downloading frivolously from iTunes and generally just watching the pennies.