Sunday, 29 November 2009

Day 108: Ooooops

I'm proud of my mum... she has recently learned knitting! She's never been able to do it before and when I wanted to learn I had to learn from Joel's mum when she's in the UK rather than Africa... so whenever I've had a problem I've had to wait for her annual trip over here...
So having decided we're not having any Christmas presents I was happy see mum knitting me a nice hat and scarf set for a present for me... until that is I asked how she was making the scarf and she said I could have a go on it as it was only half done. I then did a few rows, made it look terrible, messed up the stitches and it looked all wonky... so its now back to life as a ball of wool :( might have just done myself out of a present after all.
On money news I'm fairly excited that this week we should clear some debt... pay day tomorrow maybe and time to eradicate the baby credit card!

Saturday, 28 November 2009

Day 107: Weird new shoes...?

So after planning on the A6 last night that I was going to get home, eat a meal and then sleep for a long time..I then found a text from Joel when I got in my front door saying I could sleep in if I wanted and he'd got free Woolworths 'movies for juniors' tickets for Monsters vs Aliens at 10 in the morning... well - when I've not seen my kids since 8 that morning when they trundled off to school and nursery how could I miss out on that treat with them... so off we went via Tesco for a cheeky 'sneak in your own' pic and mix... Eclairs (joels fave) and Jelly Babies (kids faves) were both half price - everyone's happy! Slightly scary film, stuffed with sweets, car games and home to make dens out of blankets downstairs.
So on arriving home I found something odd in my post... 2 sets of vouchers for a clothes shop... like a duplicate mail out type thing - and definately from the store - not like a gift voucher from someone else and I have no idea why and its for quite a bit of money... like it must be a mistake???? I'm really quite confused but its not like there's any way of querying it... they just arrived through my door!
So being on my clothes fast it would be a little weird to go out and buy loads of new clothes just cos they're free - somehow that would just be cheating what I need to learn from what I'm doing but it does come at quite a timely Beth and I have just been given a small percentage of what we need for stagewear.. which has been great and allows us to get one of two things for gig clothes... but not enough for all we'd need. For example I need a really good sturdy pair of heels for stage - something I can dance and jump around in without doing that uncomfortable wobbly heels thing and feel like I'm constantly going to fall over... I found some amazing ones that looked great and were really stable and comfy... but when I looked at the price label ...£70... just couldn't do it - even dividing out cost per wear brought it down a lot and I would rather spend that on shoes that I would be able to wear loads than on a few pairs that are all £20 but aren't comfy enough and get stuffed to the back of the wardrobe... but spending the outlay of £70 is just un-justifyable as an option with my own money and even with our clothing budget it would practically wipe that out - so I've done without. BUT if they're kind of free! That's both AMAZING and BRILLIANT!
It feels a little too good to be true and I keep reading all the small print looking for the part that says 'these vouchers are just a joke - unlucky!' but so far they might be real!

PS. the shoe picture is more in keeping with the theme of weird shoes and not the stable ones I talk of... I would be a disaster in those and they look a bit like an Egyptain headdress... which wouldn't really go with much else I own.

Day 106: a late one...

... no real post for yesterday as I seem to have spent the entire day in the car... drove over to Liverpool for a gig and had a good time and drove back again... no food between a last minute decision to make macaroni cheese for me and Beth to eat before we left at 2 and next eat... left over macaroni at 2am. Its great trying to make meals stretch further... i can look forward to 2 meals of macaroni today too it seems!

Thursday, 26 November 2009

Day 105: Thank you...

... yes thank you for all the encouragement. Its great to hear that people think we can do it... and it makes me feel more excited about doing it too when I hear that... thanks for the link to the Christmas present article...It was good to read that coming from someone else... I think I'd already thought some of that before but thought I was stingy for thinking it so having a link and knowing someone else agrees helps me feel less scroogy... I totally love buying for people when I know they'd love it or that I'd be getting them something they really need... but hate that token gift buying of stuff for the sake of it... I've already made a few bits and pieces in my preperation for Christmas and will incorporate more into that.
On the clothing issue I realise I haven't updated news on that for ages but 1. in terms of wearing something different everyday till I run out... I've run out... a couple of weeks ago... whenever I last updated it... so no scope for anything different for many many days... but I'm doing ok and am still enjoying the joy of window shopping!
2. In terms of gig clothes... I'm going to need to raid the wardrobe for something different for the Liverpool gig tomorrow night as I've worn the same for too many gigs in a row now! But great news is that today part of a clothing budget has been agreed as part of tour expenses so I get somethings bought for me! Hurrah - that's just brilliant! I've been enjoying scouring the internet for crazy cool stagy dresses!

Wednesday, 25 November 2009

Day 104: Envisioning night

(my little baby girl 2 Christmas' ago... this year I need to make her a Mary costume for her school nativity... well done my girlie for being chosen!!)
Had to call in an envisioning night to get a meeting in with Joel... he has spared me 10 mins before kick off of the Man U v Turkey game... he's getting there slowly...
So we had paper and pens to brainstorm strategy ideas for each of the monsters... Good news is that we reckon baby monster will be eliminated in about 2 days time when pay day arrives.
Mummy monster is going to take all our strength... for that one we have 1 cheque from Joel's parents, my estimated earnings next month, Joel's pay from an article thats due, ALL our child tax credit for the next 3 months and my earnings from the GoldDigger tour between Jan and March... IF its totally booked up! (which also takes us over the 100 days) so we need lots of back up strategy too... Ebay is a good one too... so I'm optimistic about getting Mummy Monster... but then Christmas is also coming up... we've decided not to do presents... I'm feeling ok about that... but I am really worried that I'll feel really sad about that on Christmas day... and because we're not getting much for the kids either I don't want to ruin Christmas! The kids are not going deprived... they'll get a few things but they also were told in the summer that their playhouse was for Christmas as well... and to be good parents we kind of have a responsibility to stick to that... all Holly's friends are getting DS's... she'd like one but she's 5 and I'm not ready to lose her to a little pink hand held box - she should play with real things instead! So its crafts and games for those 2 this year... Christmas wouldn't be right without a family board game!
So the rest of the Christmas budget I'm slightly worried about but then I can thank myself for being uber-prepared - I bought new lights and decorations last year, a wreath for the door in the January sales and all my wrapping paper and cards last year... I haven't even lost it all - its all labelled, boxed and ready to come out of the loft on Tue ready! Normally I buy it all in the January sales, box it and lose it up there - if we ever sort the loft out I could probably open one of those seasonal Christmas shops! But I've also started my shopping ages ago and haven't got much more to do... I did want some GHD's... but having said no presents Joel had the idea that we might be able still to fix my old ones... its a loose connection and would need welding well... but even if we paid an old man in a hardware shop a tenner that'd be great... and he can wrap them up for me and I'll be happy!

Tuesday, 24 November 2009

Day 103: Day 4.16

Yes - today is day 4.16 as in £4.16 C woooooooooo hoooooooooo! Its £4.16 all ready for when the interest gets taken out on the 8th of Dec... and the letter can go off to close that old 'friend'. I've DONE IT!! Man.... 10 years of putting that off... ahhhhhhhhhhhhhhh and relax.... and onto the others!

Monday, 23 November 2009

Day 102: Balancing 7 balances

Yes... it is 7 balances we've needed to look at to work out where we're up to... off I go today to clear one of those completely and ask for it to be shut down and then we tackle the rest!
So good news is Joel's in! He just doesn't seem as gung-ho as I'd like him to be at this stage... like I don't really need a team mate who says on day 1 'I don't think we'll do it you know'... but he just needs a bit of training thats all ... anyway he's gone off to London today to see his parents again before they fly back off to Africa and to collect their car as out of all the Toombs children they decided we needed it most - which is good - we've spent more on petrol by far having to share 1 car and its a legistical nightmare... since the insurance is all paid for its a massive help and not much cost to us. While Joel sits on megabus with his £5 ticket to London he's cracking on with his book and then spending some of today at the history museum... so I've helpfully given him the motivational speech as I waved him off that if he finishes off and we can get it on the shelves of WHSmiths within the next 100 days then that will contribute to the project.
So the bad news which accompanies that good news is that its not just one monster we face but a nice little family of three. Daddy monster weighs in at £5547.83 D, Mummy is a slighter £1,955.22 D and baby monster a tiny £96.74 D. Baby monster we reckon we can have in one sweep... but nevertheless the total we're dealing with is £7,599.79 D eeeeeeeeeeeek! Which actually takes us to 5 times what I have just paid off :[ STILL... no point backing down now... may as well aim high!... and off we go!

Sunday, 22 November 2009

Room 101

So even though I actually haven't banked the cheque my heads already leaping over that and onto the next stage... THE BIG MONSTER
Ok so I'm about to introduce you to the monster...his name is MR TESCO CARD and he's made up of about 50% petrol and 50% work expenses that are bought by him-we claim back from work - but need the money to get through the month - so never transfer them over and MR TESCO CARD just grows and grows until he's as big and strong as he is today! I don't even know how much is on this card but last time it was around 6,000 and I'm pretty sure its grown since :S
Well... here are some more facts
1. I have spent on this card no more than 3 times
2. Yes I have used the petrol it has paid for
3. Joel has used it every other time
4. Joel thinks that me and him don't have enough shared interests any more... that our work time has become really separate recently and we don't have much time together just cos of pressures of working and family life.
5. Joel very much appreciates my attitude in committing to pay off my overdraft and thinks its great but has been heard to say 'that's cos you're only interested in paying off your overdraft' and things like that in the same tone as he would use if I bought a new dress... meaning he thinks I'm obsessed with the novelty of something... which is totally true... I've paid off my overdraft because it has been fun to do so! An interest shall we say?
So I propose to Mr Toombs that he shares an interest with me in embarking on putting MR TESCO CARD Monster in Room 101, project embarking on day 101 of my blog...
You in?
Here are the sums...
Mandy + a few bits of wages, some cut backs and a lot of motivation = 1,500 in 100 days
Therefore... it should take 400 days for me to get through 6,000... TOO LONG! Thats more than a year :(
(Mandy - gym membership now)+ (Joel - needing a bacon sandwich from the cafe every time he goes to B&Q) = TEAM TOOMBS - THE INDESTRUCTABLE POWER MONSTER DEFEATER
Thats GOT to be 4 times the power of a normal human (even though we're pooling from the same pot of money so technically won't have any more to draw on) Lets go for ... 100 days?
6,0000 in 100 days YAAAAAAAR thats loads and totally unachievable surely but it seems boring to aim for any less...

Woops ...I'm late for lunch at mum and dads...

Saturday, 21 November 2009

Day 100: oh well

I didn't make it to the bank... I've had a mad busy day and am sat in Bradford now ... about to get ready for a gig which beautifully is preceded by a 3 course meal... good one! So bit of an 100 day let down... :( but still I KNOW I HAVE IT!!!!!!!!! I also earn some more tonight so double yay... aiming for some GHDs for my Christmas present... nearly thought I should get a sat nav but Dad gave us his old one as it was broken... you may notice a theme to our family belongings - so it got us to Bradford today even though I did have to turn it on 2 hours before I needed it just so it could find the GPS... must go get ready and make my self look presentable.

Friday, 20 November 2009

Day 98 and 99... whoops

Ok so shame no 1 is that yes- I missed a post yesterday... my excuse is that I was watching an infuriatingly slow and rubbish film Joel got out from the library whilst trying to type the GoldDigger blog... so ended up taking so long to do that I didn't even try to do another.
Shame no 2 is that in this picture I have just rubbed my eye makeup all over my face and look like a zombie... (I bought one of those maybeline pink and green mascaras cos I remembered that it is really good... and seemed to think it didn't matter that last time I think I was allergic to it... so have had enough of uncomfortable eyes...and so smudged it allover making a matching uncomfortable face)
However... my smugness today and my ability to post this picture anyway ... is because I'm holding something quite exciting in my hands...! (EEEEEEK) My rule is that I don't update my total until its banked and official but I got an exciting and earlier than usual... and day 100 might not be a red number but it just might be a special trip to the bank!!

Wednesday, 18 November 2009

Day 97: Not another one...

... yes apparently another appliance has given up on us... our trusty breadmaker made us a lump of solid flour today which is a bit annoying when you've got a packed lunch to be ready in 5 mins before the school run and there's nothing else in the house... pasta and 'a bit late' to the rescue!
So on one level I'm not so surprised that it's had it. 6 years ago my mum bought a new breadmaker as hers was broken... as collectors of items out of skips and all things broken that our friends were throwing out we asked could we please have the old broken one then?... it needed to be weighed down with a soup bowl containing a cooked tin of condensed milk for half of the cycle and then removed in time for the bread to rise without it having a bowl shaped indent in it. That was everytime we made bread for 2 years and then just seemed to fix itself... so thats 5 years of use for our main source of all bread out of an old 'broken' breadmaker... On the other hand thats saved us loads of money and made us loads of healthy bread with real ingredients and no rubbish in... :( Ugh AGAIN!
On the plus side ... hairdressers today... on birthday vouchers... good haircut, GHD's - which are always a treat since mine broke and a nice afternoon even with Elijah with me after a trip to Fancies for cupcakes... happy times :)

Tuesday, 17 November 2009

Day 96: Taking on another challenge... if I haven't taken on enough already! Well now I have taken on writing the GoldDigger supporters blog... something that Rach was doing but since she's left :( it goes to me :S so there's where I'll be writing for supporters and well wishers and intersteders of the work GoldDigger are doing ... and how all the 'behind the scenes' things are going. I'm hoping to write really regularly on that though I'm not sure I like having the responsibility to write 2 blogs a day... will see how it goes!
Freed up our child benefit money again today though... which takes me to a wonderful £112.21 D - woooo hooooo! Good news... though I did have a random though one night this week that I should make day 100 a notable post... 4 days to go... would I be able to make that?? the FINAL payoff? um... not sure about that :S

oooh the supporters page link is HERERERERERRE

Monday, 16 November 2009

Day 95: Can he fix it? Yes he can!

Well done Joel... washer fixed...hurray and then I realise I have to get on with the washing if that's the case!
Tonight I'm not writing much... getting on with some homemade Christmas presents... busy busy busy...
Ridiculous spend of the day... couldn't resist letting Elijah choose a Christmas decoration for both him and Holly today when me and him went to town... he's 3 and I think this will be the most exciting Christmas time for him... how could I say no?!

Sunday, 15 November 2009

Day 94: May have lost the battle...

Team Toombs are certainly fighting wounded. We've lost a kettle sensor but have kettle reinforcements sent in, have lost the dishwasher but today the biggest blow came in the death of the washing machine. There are team members we can cover for but not the washing machine... that just sucks :(
But we're not giving up - the overdraft target remains the same. I gained victory over the gym membership and sadly gave in my termination letter today...sad that I'll miss it but frees up me and Holly's fee every month... and I can always rejoin when I'm rich.

Saturday, 14 November 2009

Day 93: Not really missing it yet

... shopping that is. Joel accused me of torturing myself when he saw me looking at Top earlier today... truth is I love looking at clothes... truth also is that I enjoy that and don't actually buy much... so - so far I've not found my shopping fast too difficult. I even spent the day in town... on my own... perfect opportunity to be tempted by lovely things. I took Holly in for the penultimate show this afternoon and stayed in town to collect her, whizz her back for a quick tea and back again for the last show tonight. (I left my camera with them all tonight and have some great shots of them all... here's Holly pretending to beg for food in the dressing room) I did some shoe box shopping and got a few things for the children who have both recently decided to grow... but though I do sometimes see things I would like... so far all I've needed to do is remember that I can't have them, which then makes me realise I probably don't need them as my head seems to want to argue with the situation... but it doesn't have a good case so it just gives up. That can't be a bad thing. This week I'm hoping to sort out some expenses due in and get up to date with the budget... I'm going to say my target for this time next week is to be down to £100 D... not sure how but I may as well try... hang on if I may as well try I'll go for £50 D... here we go!!!

Day 92: Day off

I gave myself a break from this blog yesterday as I'd spent more than a day on the internet and didn't think I needed anymore. Yesterday was the day we launched the new phase of GoldDigger... Rachel has left and Beth and I from hereon in are 'duetting it.' We're quite excited by the things that are going on and think that while a while ago it would have been quite daunting to have one of us leave...we'd have felt that we'd have to find someone else to come in but now in the current pop climate of duos we can slot right in with the likes of The Veronicas, Mini Viva and Jedward!! So new website, new facebook stuff, new videos and a new start... :)

Thursday, 12 November 2009

Day 91: Getting ready

This week is just written off as busy and mad. Tomorrow we launch the 'new phase' of GoldDigger so its a busy busy day and of course our home life feels all over the place as we're sleeping in shifts - or at least trying to have the kids sleep in shifts so that Holly can cope with the late nights... 4 performances down 3 to go!

Wednesday, 11 November 2009

Day 90: Such a proud mum!

I've seen her - twice! So proud... last night I had the amazingly stressful job of chaperoning the 10 children chosen to be in a Christmas Carol - but included in the 10 hours of thinking of games for bored children, finding and organising their 5 layers of costumes and splodging them in muddy facepaints, I had the amazing privilidge of watching their scenes from the wings of the stage at the Lyceum. I had a moment as they skipped on in the first scene where it struck me that wardrobe had been that afternoon to assign costumes but since the children had come back after they had gone home after the technical rehearsal and come back after their tea the job of costumes and remuddifying the girls was left entirely to me... if someone had still got their socks on, or their hair too tidy, or their dress on wrong - it would have been my fault and no one checked my preparation! However, I looked after them well and it was amazing to see them all. Tonight I watched from a seat in the stalls and having spent all yesterday with them all I'd unfortunately not just got one to be proud of anymore and ended up crying and emotional whenever any of them did anything! It was an amazing production... sorry to the lady sat next to me who got an earful of 'thats my daughter, that one, there she is, the 3rd one from the end, the littlest one, there on the step now, oh no she's crying, she's only 5 you know, she's the youngest one' all night.
The expensive side of todays experience is that now I am determined to let Elijah go to ballet too!
Here... we sneaked an illegal picture! She's the little one at the bottom of the steps on the left - near the lady with the blue coat!! No, you can't see her ever-so well but we are still very proud!

Tuesday, 10 November 2009


Feels quite momentous ... not only have I managed a big shop and managed to save it to the 10th of the month...hopefully meaning we don't have to run out of food by the end of the month... (as we've already done that last week :S) but today I've hit a new number in my overdraft which is quite exciting! Check this... £169.09 D ... did you see??? Thats a 1 at the start and its not a 4 figure starting 1 either! 1 is the littlest actual number you can get... so I'm at the smallest hundred possible!

DAY 88: Sending the children out to the colemine

The legistics are complicated but the essential aim of tomorrow is 1. Get Joel to take Elijah to nursery so that me and Holly can sleep in a bit 2. Keep Elijah, therefore, from running shouting into Holly's room at 6am 3. Think of some things children of 'different' but unknown ages might like to do 4. Prepare many snacks 5. Get to town and stay there for a long time 12.30 till 10pm and here starts the week of madness but where Holly takes part in A Christmas Carol by the Northern Ballet. But to offset the amount I've already spent on tickets and colouring books we're pleased Holly will be earning some keep this week in the grand total of £35!

Sunday, 8 November 2009

Day 87: The good thing...

... about being so busy is that I've had no time to spend any money... other than tonnes on petrol. I just worked out a timesheet for my GoldDigger work this week and it's 47.5 hours... of which I'm actually paid for 10 of those hours and thats an AMAZINGLY well paid week for us! Normally we get paid for 2!... or none :( But have managed to get to the 8th of the month without doing a food shop...we're draining the cupboards and I will have to go this week.
I had a moment today- after getting an email from accessorize - with a link to some special sale items. I saw a gorgeous brown bag and quite wanted it. My £6 primark bag has been my 'everyday' bag for nearly 2 years now and I really have used it every day. Its always full of many wonders and has seen me though the times when I needed a constant supply of wipes, raisins, nappies and changes of clothes for my babies as well as heavy folders, sometimes an odd paint roller, toy car and pretend microphones... it has worked hard and done me proud... and now has some sorry rips. Some people now tell me that its broken and that I need a new one... I just think since it still is the shape of a bag and it carries things well enough still... I can't yet justify binning it. The thought slightly crossed my mind today when I saw one that looked like a suitable replacement - a bit smaller bit then I do need a few less nappies, paint rollers and toys to hand these days... but then I remembered my clothing fast and I must say it felt a bit liberating. I can't replace my bag as I can't buy a new one - and that ok - It will have to wait till next year. And that doesn't seem a long wait and I'm not bothered... and I have reason to keep my holey, breaky bag! :)

Day 86: A long way

Today consisted of going to Essex, being in Essex and coming back from Essex. I didn't spend any money - apart from I owe Beth for a Lucozade. Was treated to chips by the sea by Rachel's dad who was our chauffer today! and had a great time being at and performing at Radiate which is a youth event down there.
It was Rachel's actual last gig with GoldDigger... which was a weird thought throughout the day... very surreal - especially being in an environment where that didn't really mean anything to anyone else as we were new to them. She has already flown off back over to Teneriffe where she's spending some time over in The Living Room and the stuff she's been doing sounds amazing... my only criticism is that she should blog more about it! A strange and emotional day.

Day 85: Backdating...

... after a couple of long days its now sunday so I'm backdating a little here... however by doing that I have more insight into what I got out of those days!
Friday we had a gig at the Lantern Theatre... supposedly I'll get some sort of payment for that but the trouble with going for a quirky and very cool little venue is that not enough people can fit it to make you any money back for it... but is still quite a lot of fun and the dressing rooms there are like an adventure all of their own... you never know what treasures you might find in there!
We'd spend the day practicing for the gig that night after this one... which feels a bit confusing... so it was nice to get down there and just think about that night. It was our last acoustic gig with Rachel and really nice that Claire - who used to be in GoldDigger came to watch it - for the first time since she'd left actually so it was a really lovely send of for Rach and nice that her family could be there too.
So I managed- thanks to Rob and Anna to come by a free kettle! so the cups of tea are covered... washing up is still a problem but I noticed when I looked on facebook I also seem to have come across a free, unbeknown to me, bath in fakebake or something...

What exactly has happened to my face??? Not that I'm saying I've not been prone to a little fake tan from time to time... but looking like that would have been a bad 'better stay in today then and hide' day and I haven't been anywhere near any! Why, when I logged into facebook this morning was there a message from Beth kindly informing me I was Katie Price orange? Check this one...

Free tango apparently!

Thursday, 5 November 2009

Day 84: :(

The dishwasher IS broken... there's none free on freecycle at the moment.. they have all cycled away... AND the kettle is broken. Not the best of things to happen in one week. Still... great girls course today where we played dressing up and talked all about fashion and what our clothes say about us. Tomorrow is a new day... and a long one. We're doing our last gig with Rachel in Sheffield tomorrow - then down to Essex on Saturday for her actual last gig... so it feels like an important weekend... and being out of the house for some VERY long days at work earning aprox £40 for the whole thing or something silly like that at least means I escape the washing up at home :S

Wednesday, 4 November 2009

Day 83: Every little helps

£3.93 sitting doing nothing in one of my accounts... over it goes and voila... £218.16 D... just like that! Every little helps!

Tuesday, 3 November 2009

Day 82: Dishwasher

Lets just all pray for my dishwasher... it has decided to thrown the dishwasher tablet into a heap at the bottom of the washer and not clean the pots. It doesn't seem to want a new one... its just having a strop... its currently flashing its little angry light and is reminding me of the day I've spent with a similar tempered 3 year old... Crisps won't help this machine though... not interested :(
Our dishwasher came free with the house and it was one of the best moments ever moving in to somewhere with such an amazing service... I've never taken it for granted and can often be heard saying how much I appreciate it... I can't go back now to life without it... BUT I'M SO CLOSE TO THE END OF THIS OVERDRAFT AND A NEW ONE WOULD DESTROY ALL THAT HARD WORK... please God... don't let it be over

Monday, 2 November 2009


Hurray for Ebay... Today £101.01 for our double buggy... £100 strait in the bank and bought Elijah and Holly a snowman lolly each with the rest... jobs a goodn.
Balance £222.09 D already! and tonight I might try to make a pumpkin pie... with fridge leftovers as well :) BBC - Food- what would I do without google and this?Its great... pick a random object from the fridge that you don't know what to do with and this will tell you everything. ... will post up the verdict too :)

Sunday, 1 November 2009

Day 80: 80 days

Somehow 80 days seems significant - is that cos of '80 days around the world'? Maybe ... but today I'm feeling quite positive. Its Sunday, which means the bank balance has been non-moving over the weekend which is always both disconcerting and a bit dull for blogging purposes. But this month should be a good one... I'm due to do a few things I get paid for this month, finally am allowed to quit the gym (so will be making my last payment to that), am a fair way into my Christmas shopping already and have finally sold our double buggy - which means I have made a small dent into the mountain of stuff to sort in the lounge. All this means I SHOULD be able to make some nice payments into the overdraft and I'm not totally off being able to make the overdaft pay off by the new year... will I/ won't I? No idea... but I'll really try!
Balance ... still 322.09 D ... where am I going to find £322.09 as well as Christmas money in the next 2 months!!? Time to get creative!