2013....New Year, New Start (again!!!!)

e4rub

Thanks Choc xxxx We'll get there, one day!!!!
I am at the stage now where I can't say no to handouts!!!! We have some friends who always pop round with frozen food and always say 'we are defrosting our freezer and it will just go to waste'. I know that they are fibbing about the freezer!!!!!

Emily

Choc-addict

e4rub wrote: »

Thanks Choc xxxx We'll get there, one day!!!!
I am at the stage now where I can't say no to handouts!!!! We have some friends who always pop round with frozen food and always say 'we are defrosting our freezer and it will just go to waste'. I know that they are fibbing about the freezer!!!!!

Emily

We will indeed lovely and we can be proud of ourselves when we do!!

Just keep in mind that you would do exactly the same for others if show was on the other foot. It's a means to an end and you will get there - you sound very determined!

xx

e4rub

Oh yes, I absolutely would do the same.
I am determined as I can't live like this any more.:o

Emily

Choc-addict

e4rub wrote: »

Oh yes, I absolutely would do the same.
I am determined as I can't live like this any more.:o

Emily

That's the spirit You'll be surprised how quickly all your hard efforts pay off.

e4rub

So, payday today and it's all gone on the PDL repayment :mad:
Oh well, tomorrow is another month!!!!

Choc-addict

e4rub wrote: »

So, payday today and it's all gone on the PDL repayment :mad:
Oh well, tomorrow is another month!!!!

It's rubbish now but a step in the right direction! Roll on a fab financial 2013

e4rub

Wow, I am soooooooooooooooooo tired this morning!!!!!!
Made a chicken sandwich for my dinner at work today.........usually spend a fiver at Greggs!!!!!!
Roll on the 13th December.........got 2 weeks off work!!!!!;););););)

e4rub

Am looking forward to the day when our wages are not eaten up by repaying PDL :eek:

nomi01

Hi e4rub,
I think its so easy to get in to your situation. I started a new job in sept but I didnt get a full wage so was seriously short of cash. I applied for a PDL with the same company as you and was turned down :eek:. I didn't think they would refuse and it took me by suprise. I managed to sort a few things out and contact the companies I wouldn't be able to pay.
Now the PDL companies keep e-mailing me saying that they can help this time round. Things are still really tight financially and the temptation to borrow before xmas is incredible.

As for school trips, we received a letter the other day re; school trips next year. It says that they have been quoted over £200 per child for 5 days away within our district.

e4rub

So, had to pay bills yesterday, which means only one thing..........PDL :mad::mad::mad:
Changed passwords last night, so only hubby can log on, which is fine because we are working TOGETHER to get it reduced
Only 18 days till we pay this one off and then hopefully we will borrow less next time

Emily x