Well, I would like to start by saying if you said a little prayer for me, thank you, following my last update my loan has been approved!
I have paid off my credit card and my overdraft and I have closed my overdraft completely!
The only person left is Gramps, as I explained the next few weeks are tight for me, I have put his money away in emergency savings in case I have an unexpected bill come through while I am away so when I get back from Cyprus and I've a full weeks wages behind me, I will be able to scratch that off the list too!
To say I'm happy is a massive understatement for how I feel right now and yes I still have something to pay back to clear the loan, but this massive situation isn't lingering over my head any more, I can sleep, I can smile, I can do things I need to do without hesitation, that feeling is priceless.
Now that I have been able to clear this hurdle albeit with a few hiccups, I would like to start working towards a new goal, this goal will commence mid June and it will be to start saving, but properly... this way I have a bit of money behind me if anything goes tits up again and if it doesn't, well that would be nice wouldn't it?
Overall I am really, really pleased that I didn't just opt for the loan, I'm glad I tried to sort it out on my own first, granted it didn't go to plan, but it taught me the seriousness of the situation I was in and has scared me straight when it comes to moving forward. It also taught me how to budget properly which will be beneficial in this process of repaying the loan and will leave me in a much better position for the future.
I am glad to be able to say this is my final chapter on this matter, I will still write updates in regard to my savings plan and how I'm finding the repayments but it will not fall under this title any more, so if you are on the same adventure as me, make sure you subscribe to BASIC and keep an eye out for updates and as always I hope this post is helpful to you!
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