Lazy Saturday afternoon, met up with a friend- the unfortunate soul who I treated to a cup of tea and a biscuit round my flat.

But today I realised I had been so overzealous on the saving last week, that I had inadvertently (probably due to my poor counting skills) saved £20.

And I blew it in one luxurious afternoon.

First I had a slice of home-made cake and cup of tea in a lovely little cake shop just off Carnaby Street in central London.

Then we went to an arty chilled-out bar and drank some cocktails, followed by a meal in a cheap and cheerful noodle bar next to Piccadilly Circus.

I think I got a lot for my money, but there is no way of getting away from the fact that I spent £20 in about four hours.

I don't regret it, I really enjoyed it.

Extravagance over now.