How many girls from a local Derby escort agency have I seen this month already? If I’m honest with myself it has got to be at least seven, it could even be as many as ten. I think there is some truth in the saying that a fool and his money are soon parted. Even though I know that I can’t really afford it, I can’t say no to a good night out. My bank balance isn’t looking too good and there are still five days left until payday. Christmas is around the corner and we all know how expensive that can be. If I increase my overdraft anymore, all of my wages will be swallowed up on the day I get paid and I’ll be back to square one. I think I probably need to manage my money better than I do and perhaps I should stay in more often. I really ought to try and cut back on extravagant things.