I missed my thrifty post again this week because I had a busy day again yesterday. January for many people isn’t about bargain hunting but about financial survival. Now we are into February and just past the halfway point of winter, we need to think about winter fuel bills. We also have to think about balancing the budget and make sure no more money goes out than comes in. If we treat our finances like a business we can also watch cash flow and perhaps use a credit card to delay certain payments.