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

luckynumber13

We are both 40 in the next 12 months! Really hoping to be able to do something special but will have to see how business is this year.

luckynumber13

Hi Emily, hope you are feeling a bit better. Hows it looking this month for the PDL? x

e4rub

Hi Lucky, it's looking good, fingers crossed. Spoke to hubby about it today and I know that we definitely will have enough money from both our wages to cover all our bills and a bit left over to live off. Really hope that we don't have to borrow any more in March but if we do it would be no more than £100 and that would really be as a last resort. I have worked a weekly budget out for us for after the PDL has been fully cleared and any surplus will be transferred on payday to a separate online saving account, so that if we are ever short of money again we have some 'emergency' money. I can finally see the light at the end of the tunnel!!!!! Thanks so much for your support :A:A

Emily x

luckynumber13

That sounds positive :j. Lets hope you don't need that last £100.

Onwards and upwards

e4rub

Wow..........money is really tight this week
Payday and PDL repayment day on Monday.........It can't come quick enough.
Keep positive Emily.........giving myself a pep talk!!!!

Emily x

luckynumber13

You can do it!! Just think how fab (but skint ) you will feel on Monday .

e4rub

Haha, always skint Lucky!!!!

Emily x

e4rub

So.........on Monday my PDL will be settled and on Thursday my hubby's PDL will be settled.
I have decided I am going to keep going with this diary once the PDL nightmare is behind us!!!!! I think I will post to help me stick to the weekly budget that I have worked out for us and hopefully this will keep me on track and ensure that we never take out another PDL :embarasse:embarasse

Emily x

e4rub

YESSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS........................One PDL paid off today.........Other one will be paid on Thursday :j:j:j:j

Emily x

luckynumber13

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j



and :j:j:j:j:j:j:j:j:j:j:j:j:j:j:j for luck ready for Thursday