I was invited to talk on BBC radio Bristol about the fact that 7 million Britons have on average £3,300 of shopping credit card debt. Ouch! And at 17% APR minimum, they’re spending at least £510 a year on that debt.

Now, as we know, Annie Valentine has had huge credit card problems in the past but she is still determined to get on top of them. She never can quite stick to her boring old budget, but her debt has come down from five figures (eek!) to a low four figures.

Here are her five best tips BTW!

1. My loves, if you’ve got to the stage of stashing your credit card bills under the bed in the hope that they will just go away, pay attention! You do not want bailiffs at your door so you have got to take action! Stop shopping. Cut those cards up if you have to and start thinking of how you are going to repay just a little bit more of that debt every month. What about an evening or weekend job? Could you sell things you don’t need on ebay? Car boot sale? Hold a wardrobe sale with friends and family? Please get help. Get online, get on the phone. There is loads of help for people in debt.

2. If you are broke, don’t go shopping! Everything is laid out so temptingly that it will be impossible to resist. Window shopping does not exist. Instead stay home, organise your wardrobe beautifully, mend things, sew on buttons, polish your old shoes up. Try and be grateful for the lovely things you already have.

3. You can’t have everything! You may be able to afford a pair of new shoes, but don’t be buying the bag, the dress, the lipstick and the state-of-the-art hair tongs to go with them. Buy new shoes that will look gorgeous with the things you already have in your cupboard. Never underestimate the power of a beautiful £5 necklace from Accesorize – suddenly even boring old black t-shirts look glamorous.

4. First day of the month, have a direct debit set up to go towards your credit card bill or (once that’s paid off) your savings account. Lots of people shop because they’re insecure. A lovely fat savings account will make you feel much more secure than designer labels you can’t afford (well, apparently. I still haven’t got any savings yet, but one day I will have that virtuous, saintly glow).

5. One lovely, well made thing that you can wear over and over is sometimes better and cheaper than bagfuls of tat. Just ten pairs of £30 shoes a year equals one pair of gorgeous, treasure for a lifetime, Jimmy Choo pumps.

I had a lovely holiday. Now that rain is lashing down from a leaden sky, it’s feeling like summer was months and months ago. Sniff! I have stuck a few holiday snaps up on the fridge, but it’s not the same!

We went to the Limousin in France which is gorgeously luscious, unspoiled and green. Because I am a sort of bug magnet, maybe even a bug buffet, I got bitten by everything going: one tick, many, many horseflies (ouch!) and then finally a hornet. Now that was one big sting. The beast got me on the side of the knee and I kid you not – a football-sized swelling followed and took days to clear up!

I spent lots of time at my computer writing about New York, which was weird because we really couldn’t have been further from the hustle, bustle and general adrenaline rush that is NYC. But somehow it worked quite well for me.

When we were in New York last year, I didn’t write one single word, because there was too much to do, too much to see and experience.

Now… book news:  The Celebrity Shopper paperback is out next month in a glittery, purple, gorgeous new cover.

New York Valentine comes in January next year. So not tooooo long to wait.

There is now a Carmen Reid page on Facebook, so you can join it and get regular updates. Also, coming very soon, I promise… Annie Valentine’s very own fashion blog. Exciting!

Loads of things going on this month as the third Annie Valentine is released: How Not To Shop comes with the chance to win an Egyptian holiday (and if like me you’ve spent much of the summer in Glasgow – you might be needing something like that).

Rush to your nearest branch of Faith and they will give you a special edition of The Personal Shopper for free if you spend over £30 (easily done, I have been on their website and checked those shoes out… and they do big sizes. Gone are the days when you went to any shoe shop, asked for a size 8 and the shop assistant’s eyes popped from her head in astonishment – I’m still slightly scarred though.)

The lovely people at ultra-stylish Scottish Woman magazine have put me on their shortlist for witty Scottish Woman of the Year. I still can’t believe that… anyway, you can find out more if you follow this link. Hey, you can even vote and yes I will understand if you think Ronni Ancona is much more worthy!

Also, give this link a whirl if you’d like to read an interview with me from the Sunday Herald magazine. It’s incredibly nice, Susan Swarbrick was totally charming and no, I don’t have anything on her, she wrote this all of her own accord, honest! ‘Poster girl for yummy mummy chic’ oooh how my husband fell about laughing at that. He knows the grim reading glasses and ratty jeans reality!

Now, which photos can I use to enliven the August blog… I’m still missing New York, so here are another two from the holiday. The big plastic roach key-ring which was the gag of the fortnight: it ended up in everyone’s shoes, everyone’s bed, even Sam’s salad and my birthday presents. Eeek!

Then there are the family birthday cards… obviously cute dogs feature highly as we were all totally missing Jimmy by then!

Listen to my introduction to How Not To Shop and find out a little more about what Annie gets up to in the story…

About How Not to Shop

And here’s a little audio taster from How Not To Shop…

Introduction

Extract

Pre-order your copy of How Not to Shop

How Not to Shop star Annie Valentine shares her top tips on iVillage, to give you a fabulous wardrobe on a budget!

Read Annie’s tips on i-Villlage

On the book front: the next instalment of Secrets at St Jude’s: Jealous Girl is out on 2nd July for everyone who loved New Girl and can’t wait to find out what happens next…

Make a little room in your summer holiday suitcase for the new Annie Valentine, as How Not To Shop comes out on 13th August.

At the AK Bell Theatre in Perth, I served my first ever time on a discussion panel this month.  Is The Love Story Dead? Discuss. It was a really interesting and enjoyable evening. Great to meet writers Ewan Morrison and Sharon Blackie as well as the incredibly well-read Dorothy Macmillan, Stuart Kelly and Ajay Close. Just as soon as I’d sipped down my second Buck’s Fizz to quell those public speaking nerves, I had a great time!

I’m going on a library tour in September… more details to follow next month. Hope I can catch up with lots of readers.

The rest of June has been all about two of the Very Important Males in my life: my son and my Dad.

On the same day that my son went off on his first week-long school trip to an outward bound adventure centre thingy, my Dad went into hospital to have his hip replaced.

Oh what a lovely amount of fretting and stressing I did! Will Sam have enough socks? Eat enough fibre? Survive the abseiling lesson? Will Dad have enough books to read? Eat any hospital food? Survive the operation?!!

Good grief it was stressful. My Mum and I got through much more wine and cake than usual, I can tell you.

However, the week ended. Sam came off the bus looking tall, brown, grubby and ridiculously chirpy. He was absolutely fine – apart from a neck rash brought on by a combination of ‘slurping on midge repellent like gravy’ (his words) and not washing properly (well, he is newly 11!) And apparently abseiling – which he’d been slightly worried about – was the best fun ever.

Dad came out of hospital the following day and went home to the farm along with crutches, a raised loo-seat and various other gadgets.

He has always been the fittest, healthiest person I know. Up until two years ago he was still running (he doesn’t jog, he RUNS!) and he looks after a herd of 80 cattle, so the ever-increasing hip problem has taken some time for him to adjust to.

I have no idea how Mum is going to keep him resting for six weeks. There is already talk of how soon can he get back on his bike (his new hobby now that he can’t run!) and my Dad’s usual competitive streak  means he will want to make the fastest recovery from the operation ever!

More news next month when I get back from New York! Yes, I’ll just say that once again… when I get back from New York!!

Check out the gorgeous cover for my new book, How Not to Shop, which will be out this August!

How Not to Shop

I’m not posting anything about the house. I’m beginning to think it’s bad luck. As soon as I even suggest something is ‘finished’, something else goes wrong. So I’m not saying another thing for a while… not until I can convince myself that the big stuff really is finally over!

I was emailed a Q and A by a friend. I do like a Q and A. I like filling them in and I like reading all my friends’ answers too, very revealing.

So cut and paste away, or make up your own and email it to everyone you’d like to know a little better. Also, questions like this are great starting points for writing. Especially for all those people who wonder ‘where do you get the ideas from?’ Almost every one of these answers has a much longer story behind it.

Q: Are you diamonds or pearls?

A: You know not really either. I have a chip of diamond sunk into my engagement band which I love so much it also became my wedding ring and I have a long string of teeny pearls all the way from Hawaii but otherwise, I like really chunky, rustic jewellery. Turquoise lumps, beaten silver, hunks of blown glass, shells, amber beads that kind of thing. I don’t think I’m ever going to be wearing bling rings.

Q: What’s your best bargain?

A: Ah… now that I’m an eBay-er, so many! The almost brand new, still in their lilac box Jimmy Choo boots, bought for a fifth of what they’d have cost originally, maybe, but I still love a D&G black woollen long sleeved, scoop necked top I bought for buttons in Century 21 in New York about 18 years ago now. It’s really warm and foxy, what more could a Scottish girl ask for?!

Q: What’s the last book you read?

A: I’ve just finished Candace Bushnell’s Lipstick Jungle and oh my, it was good. As Bret Easton Ellis once said: ‘she writes the big, bad truth.’ I’ve just started a biography of Dorothy Parker: the Candace Bushnell of her day really.

Q: Where’s your favourite holiday destination?

A: I do like France and Italy. Heat and wonderful food are hard to beat.

Q: Where in the world would you still like to go to?

A: I have this idea in my head… I don’t know yet whether it’s feasible, but California for a whole month in July. I’ve never been there before and I think it would be incredible.

Q: What are the luxuries in your life?

Too many! Aveda conditioner. I have big, big, big hair and this does help. Eve Lom cleanser, yes I know it’s about as expensive as caviar but you only use it once a day and it lasts for ever and is practically a miracle in a jar. Palmer’s cocoa butter, this would probably be the one thing I’d have to take to a desert island.

Q: What is your favourite smell?

A: Always the warm, sweet smell of my children’s necks. Also cakes in the oven, dinner cooking and pretty much everything by Chanel and Diptyque. I also have a thing about the smell of barns: engine oil mixed with earth.

Q: What’s your favourite food?

Chocolate and anything made with it: chocolate cake, chocolate mousse… I do also find it hard to resist a caramel anything (blame Willy Wonka). Also, my husband’s shepherd’s pie and a great, rare steaming hunk of my Dad’s home grown rib roast. Quite strange to think I was once a vegetarian.

Q: Which film star do you find most sexy?

A: Oh boy… so many men, so little time to admire them all. The young Sean Connery and the middle-aged Russell Crowe obviously… I mean is anyone immune to those charms? I also have a strange attraction to Hugh Fernley-Whittingstall. Should I admit to that? I think Annie Valentine’s Ed is a little bit related to Hugh. He’s messy-haired and tweedy and a bit intellectual, but earthy. No, I’m not sure I should be admitting to this at all…

Bad day at the office? Bet it wasn’t as bad as mine… my ceiling fell down! Oh yeah, ornate Victorian cornicing and all.

Just three days before, my desk was underneath! I moved the desk to let the decorators in. They took down all the layers of paint and woodchip on the ceiling and several hours later: CRASH!! Obviously the woodchip had been holding the very water stained plaster together.

Right now, my house is like a bad relationship. I keep working away at it, hoping it will get better, but it just keeps on letting me down… I think we’re now at the couple counselling stage, just a few more rotten joists and it will be irretrievable breakdown, I tell you.

Nevertheless… a huge thanks to every single, wonderful reader who rushed out and bought Late Night Shopping to find out what Annie Valentine gets up to next.

The book has spent week after week in the bestseller charts and I really am incredibly grateful. Thank you!

And good news for all those very nice people who emailed to say: ‘There will be more from Annie won’t there?!’

Yes, there will! The next instalment of Annie’s adventures is due out in summer 2009. If that seems too long to wait, then I’d suggest taking a peek at ‘Did The Earth Move?’ my second book (if you haven’t already), because I can’t help feeling that the heroine, Eve, is a bit of a prototype Annie and I think you’d probably like her a lot.

This week I have not just one, but two new books out. For a start, this has meant answering the door to the florist burdened with an enormous bunch of flowers from my publishers, not just once, daaaahlings, but twice!

Two bouquets on different days! How diva-ish is that?! I feel as if I should be reclining in a pink ball gown eating chocolates to do my flowers full justice.

But as always, real life gets in the way and I actually spent one publication morning rushing to the doctor’s with Sam because he’s had a strangely sore tummy for several days. Although the word appendicitis was flashing in my mind, our very nice GP assured us that it almost certainly wasn’t and now in my handbag I have a plastic sample bottle with a little plastic spoon attached to the lid. I think all the Mummies reading this know what that’s going to involve. Oh joy.

No, in fact there was some lounging on a velvet sofa in a pink dress for a photo shoot with The Sunday Times Scotland. We did the pictures in this highly glamorous boutique called Cruise and it just seemed rude not to try their beautiful clothes on.

So before you could say Prada, I was on the couch in a clingy Vivienne Westwood frock and fantasy shoes: the only pair that could be found in my size were Dior, gold, six inch, python, peep toes. Fortunately the photo doesn’t show the hideously un-pedicured state of my feet nor the rhino hide I seem to have developed on my knees. Phew!

Anyway, it is very exciting to see piles of Late Night Shopping in so many places… Woolworths, Waterstones, Borders. I just hope YOU, my lovely, lovely readers, like it. A lot of people grew very fond of Annie as they read The Personal Shopper and I really hope you’re going to enjoy her second book of adventures just as much.

Now get out there and buy a copy or two… or three!