Hold fast to dreams, for if dreams die, life is a broken winged bird that cannot fly

ZTD

pania wrote: »

Hey guys thanks for the fab ideas!! I've seen a sewing machine in argos for £59.99

Don't forget places like Cash Converters.

pania wrote: »

Isnt it funny how the world has a way of pointing you in a certain direction, how plans can change at the smallest moments notice and priorities flit from one direction to the other... Two days ago I was excitedly planning to snowball one debt onto the other, paying it off quicker etc etc. with a sudden change of priority and direction I have been notified this morning that I am (along with 8 other colleagues in my office alone) at formal risk of redundancy. We will know for certain on 10th december (happy christmas everyone!) and will leave post on the 10th March.

:grouphug:

It always seems to happen to you.

:grouphug:

pania wrote: »

BUT
that means that from now (well, after my holiday ) until february I have to be extremely frugal, save every penny that I can and not worry about overpaying my debt but let it tick down at the rate it is currently so that when I leave, should worst come to worst and I dont have a job to go to I will have money behind me to support myself until then.
The alternative train of thought is to throw as much money as i possibly can at my debt so that when I leave, should worst come to worst and I dont have a job to go to I wont have any money behind me but my outgoings are much lower. swings and roundabouts people or are there benefits to one over the other that i cant see as being too close to the wood to see the trees? Help!!

Get some money behind you, and tell your creditors you've been made unemployed and are searching for work.

pania wrote: »

So, Panias new goal. Including the sewing money, and still allowing me to do my 12 crazy challenges, I have to save £5000 by any means between now and february 25th. That sum half fills me with dread

Me too! That's a lot of money for 4.5 paydays. You will, however, be due for a tax refund if you remain unlucky.

pania wrote: »

but also, with the recent positive changes in panias life fills me with at the same time. If i believe in myself enough, and in the universe to provide me with what I need in divine right order and when ready to be accepted, I WILL GET THERE!!! this will ONLY be a positive in my life and not, as it would have been last year a reason for me to fall into negativity and spend more time feeling sorry for myself than moving forward.

Love to all!! xx

Don't forget to tell beau he may end up with a new lodger. He may be :eek: or or both...

ZTD

hypno06 wrote: »

Well, you know my thoughts

and if you need any brainstorming time on a big squishy sofa, then you know where to find me x

On a big squishy sofa..?

hypno06

ZTD wrote: »

On a big squishy sofa..?

It has been known.

ZTD

hypno06 wrote: »

It has been known.

You mean you actually sit still? For moments at a time? Inbetween the running, shredding, oven cleaning and skiing?

I'm shocked! Shocked I tell you..! :shocked:

hypno06

ZTD wrote: »

You mean you actually sit still? For moments at a time? Inbetween the running, shredding, oven cleaning and skiing?

I'm shocked! Shocked I tell you..! :shocked:

Yup, sometimes I don't move for minutes at a time!

ZTD

hypno06 wrote: »

Yup, sometimes I don't move for minutes at a time!

I must be the anti-you. Sometimes, when the moon is full, and clouds flit across the sky, and the [STRIKE]wolves[/STRIKE] mutt next door howls like a tortured soul, I do move - for minutes at a time.

Then I say "Weren't machines invented for this?" and stop...

pania

Hey all!! thanks for the words of advice.. am still sooo positive tis untrue. I WILL make this work in my favour... off ot bed now, up early, long day!!! will post from work tomorrow, love to all xx

taxi73

good luck ...am sure whatever happens will be for the best

pania

Hi Taxi!!! thank you. I do hope that you are doing ok, its lovely to see you around. xxx

Well, I have just noticed I have a £20 anonymous donation added to my fundraising page. If you are from the wonderful world of MSE. thank you so so much. I am thrilled and I know Duncan would be too. Thank you xxx

se999

Pania just 2 thoughts on your planning for the next few months. If you end up having to sign on watch out on your savings levels for being eligible for income based JSA, also possibly if you decide to pay things off it should be sooner rather than later as it could look like intentionally reducing savings (I'm not an expert on how it works - ask on the benefits board). The other thing we've found is that things go deadly quiet normally in recruitment from a week or 2 before Christmas to a week or 2 into the New Year, so if it's the same in your field you need to maximise your efforts in the other time slots.