As the cost of living soars, a week of watching the pennies disappear fast was so dispiriting

Lately, I have been pouncing on my online banking records, certain to uncover dramatic evidence of a hacking, or a smishing, or a phishing or a skimming only to find an identity parade of the usual, albeit more respectable, hoodlums.

y half of the mortgage, groceries, petrol, direct debits for the phone, for health insurance, for Netflix subscriptions. And thanks to the near extinction of cash on a day-to-day basis – a tidal wave of tiny little things like cups of coffee, chocolate bars and nail polish in peppy shades that I will allow to crust and harden before throwing out in five years’ time because I like only neutral colours.

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