[i-did-it]

Today I took action to sort out my finances.

When you ring credit card companies they do an income and expenditure and they decide how much you should pay.

I discovered that if you go with their plans, a slight emergency sends you running for a payday loan to survive.

Today I explained exactly that to these companies and they were happy to take a much smaller payment.

Sure I will be paying off forever – but in the meantime I will be having a good life!

There is no race to pay off debts and we only get to live once !!