I can feel my —– BURNING now. I travelled 11 times in 2014, breaking the previous record of 9 times in 2005, but broke it again in 2015 with 12 trips. If I can reduce it to 7 trips this year, that will make a massive difference. FEWER trips but LONGER perhaps. Because the hotels are relatively cheap, it is the travelling that costs more. Anyone who takes TWELVE holidays a year is going to spiral into debt. I have to reduce them. 0440 Friday morning. Let this be the turning point now. I must start to REDUCE my credit card debt every month.