From early October until the beginning of January it’s specially hard we have at least six birthdays to contend with plus Christmas for us financially, all in all.

This past year, when I said, we had been both working and doing OK (thus I thought) and I also had been determined to own an excellent xmas. We knew we had been both due become compensated prior to xmas and We knew we’re able ton’t keep it until then to complete the Christmas time shopping.

After checking the lender i could already see we were well into our overdraft and that which was kept could be required for meals and travel.

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