"Annual income twenty pounds, annual expenditure nineteen pounds nineteen and six, result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." British personal finance blogs, forums and other resources? After several post-university years of lurching from one personal finance crisis to another, I'm finally pulling clear of my personal debt. I've had a very decent increase in job income, and I'm also about to receive a legacy which will let me pay off my post-universtity loans, and, for the first time in my adult life, leave me in a position to start saving properly, investing fully in retirement funds and give me a stable enough life to create and follow a budget that isn't going to get dashed to pieces on my bank's indifference and yet another overdraft charge.