Wow, we’ve reached the end of November. I can’t say this is my favourite time of the year. As we move into December, everything happens at once, plus I do a lot more shopping than usual.
A year or two ago, we simplified our household finances. We now have two joint bank accounts – one for day-to-day transactions and one for savings. We have debit cards hooked up to the transaction account. It works well, but theee’s one downside to this simple set-up that comes into focus at this time of year – it’s hard to buy a present and keep it a surprise, especially if you buy online!