Smile !

It happened ! I received the refund on Thursday. First thing I did ? Paid £1500 off my debt and put £100 in the EF. Now I have control, I'm not letting it slip away. Yes I have a credit balance too, just a small one, but that's my buffer until I get the momentum going.

I am going to invest in my plan for creating extra income. I will have to invest in some components for my jewellery making, but that will be minimal because I am determind to make it work this time.

Thanks for all your comments, I've had five days off from work as it's half term, so am feeling refreshed and positive for the weeks ahead.