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

e4rub

Thanks Choc, that's exactly the frame of mind I am in......got a few last bits and bobs to get but have my OWN money to pay for it!!!!! Most expensive day of the year is Christmas day and it takes less than 1 hour for my 3 to have opened everything!!!! :rudolf::xmassmile:snow_laug:santa2::snow_grin
:xmastree::xmassign:

Emily x

e4rub

So, had to do the last of my Christmas shopping yesterday and had a budget.......I was really pleased as I only overspent by £6.00!!!!!! But I got EVERYTHING that I needed :j:j
Am currently without a PDL...........but only until 1st January :mad::mad::mad:

Emily x

e4rub

2 days till PDL day :mad::mad::mad::mad:
Just keeping myself focused. We will be borrowing less this month than last month, so we are moving in the right direction :j

Emily x

Choc-addict

Happy New Year Emily! I hope you and your family had a lovely time

Here's to a happy, healthy and financially better 2013!

choc x

e4rub

Just a quick little update, managed to reduce the PDL down to £750 this month :mad:
Think it will be much less next month as tax credit hits the bank on 1st - the same day the bills come out.
Still plodding along and can't wait till our wages are all ours and not Wonga's!!!!

Emily x

e4rub

So, 1 PDL settled today!!!! Looking at my figures for next month, we will only need to do £400.......that's £350 less than this month........we're getting there!!!!!:j:j

StressedSteph

Hi Emily,

Sorry I haven't posted in a while.

Well done for hopefully only needing half the amount of payday loan this month :T:T.

Do you think if you are careful this may be your last one?

You are doing so well, Keep it up xx

luckynumber13

Well done Emily, you are doing a great job!

e4rub

Thanks Steph and Lucky

Yes Steph, I think this will be the last one (fingers crossed). We were worried because car had its MOT on Wednesday but luckily it only cost £74 and we had this money available.
The last few months have been a struggle and money has been extremely tight, as it will be in February, but I am optimistic that there will be no PDL in March :D

Emily x

e4rub

Feeling really optimistic this morning. Instead of feeling sick every time I see the Wonga advert, I now feel happy that this will (hopefully) be the last PDL we do with them :j:j

Emily x