Little by little really works. We put all our pound coins into a pot to pay for the car tax (there's usually something leftover) and that way it's not a shock when both vehicles need taxing in the same month. You don't notice saving the odd coin here and there but if you thought about putting away an extra 20 or 30 pounds a month it would feel very different.

To stop getting stressed I'm counting to 10 before responding to certain people in the office today... (one of those days!).