Does it seem to disappear into a black hole and even though you know you haven’t spent much, it’s just vanished?

Well, here’s a thought — go and have a look in your cupboards.

That’s right — your cupboards — all of them.

You’ll probably discover that while your wallet is empty, your cupboards are full.

You’ll possibly even find that some of your cupboards are over-flowing.

Let’s dissect a couple of the obvious money-eating cupboards.

The bathroom: How many tubes of toothpaste are in there?

How many bottles of shampoo?

And how many of those bottles are still half full?

How many razors, bars of soap, deodorants or jars of hair products can you see?

Of course, the really big one — how many rolls of toilet paper are there?

I know many people who have a ‘toilet-paper fetish’.

One girl has a whole shelf in her linen cupboard to store the rolls that can’t fit into her laundry cupboard.

Another family has 105 rolls.

Now considering they only use four rolls per week, that’s a 26-week supply, or six months.

But they still keep buying it because “it was on special”.

Let me assure you — there is a “special” on toilet paper every week.

If you don’t absolutely need to buy it, you are not saving anything. In fact, you are wasting money!

Let’s move on … your pantry.

How many bottles of sauce are in there?

How many tins of fish, fruit, or beans can you find?

Can you count the packets of biscuits, cake mix, cereal, jellies and pasta?

When was the last time you saw the back of the shelves? Put your hand on something from the back of the cupboard and check the use-by-date. Is it still current?

Your pantry might be OK but how’s your linen cupboard looking?

How many towels and sheets are sitting there, still in their packaging, waiting to be used?

I know lots of people who buy linen because they found it at a good price in a sale and I just don’t understand why, if there are only two people living in a house, would you need 10 sheet sets.