It has come to this. No more partying the night away for Mr and Mrs Gizmo, gaily ordering the champagne and bejewelled elephants without a thought for the financial consequences.
No. We are both now facing the prospect of lunching with Mr Redundancy, and a little, ahem, prudence, is in order, at least until we find new jobs.
To make this easier I think I need to stop using the rather eccentric bespoke spreadsheet we have at home and invest in some Serious Tools. Can any of you experienced budgeters out there recommend something? It has to be able to track cashflow week to week, cope with the comings and goings from three different accounts and ideally be accessible from more than one computer.
I am aware that spending money on software to tell me how to budget may be truly (rather than Alanis Morrisette-stylee) ironic, but I just feel a slightly panicky need to take control, so who's up for an exciting conversation about personal finance software?