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Not So Savvy After All - Austerity Now Needed!

This week, I took out a £ 200 Social Fund Loan from the Government at 0% over 4 months.

It will help replace debt at 35% which I had accumulated, in part, by buying furniture (a bed mattress) last autumn - thus saving me just over £23 in interest.

However, I have donated most of this - £20 - to INSEAD's Giving Day on 20 March, meaning I will only start next month with £180 instead of £200.  And yet, the years 200-7 and 200-8 (lucky that they both were for me), ought to have forewarned me about giving to charity (when I can't afford it), and getting into debt.

A resolution for the New Year starting 31 March: I must start seriously living within my means.  I now owe the grand sum of £2,387 which 6 months ago I had hoped would be fully paid off by the end of next month (April), However, with Bobby & Zoe's wedding expenses to also factor in (we are staying in a hotel in York in June), the revised calculations now show the total will be paid off by the end of August instead - assuming I can keep up austerity measures until then! 😀

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