Ever have those times when so much hinges on just ONE thing ? I mean.... not everthing hinges on this one thing for me, but ALOT does.
Its my loan application. I've finally, finally got my act together financially and have found a way out of my past mistakes, messess, bad choices and history of overextending myself bringing up three kids as a single parent which.. at times caused me to borrow, when I shouldnt have.
I have three loans Im consolidating into one, with a great interest rate and repayments which will see me DEBT free - in 3 and half years...!!!

No big deal in some ways... but its silly paying of three loans, one of which is a credit card of four grand... and one with a stupidly high interest rate, and another car loan.. blah blah.... wrap them all up in one neat personal loan and Im consolidated, simplified , managable, and the huge light at the end of the tunnel is finally real. It does exsist!

I've finished all my paperwork and am off to lodge it.

If this goes OK... I will feel a weight in my life has lifted incredibly. That I do have hope, that I can have a future and that my job of raising kids and all the bills and loans and money dramas will be complete and finito.

I have a good paying job, but recently Ive thought, it will take me till Im 50 to pay this crap off, and then Ill need a new car and have to do it all over... Ill never get overseas.

but now.. thats all changed with common sense, and some final maturity to take control.

So this is a time of change for me... no longer having to provide for three kids, only one part time and I can finally see that my own life is emerging. I wont have loads of spare cash, but I should have a reasonable lifestyle in any case. A good home, a decent car, money to occasioally have some fun with. blah blah.... but once my loan is done, I can either save for overseas or just , save!

Jem is my place till friday. He is off with his pal this afternoon, and Im off to lodge the loans.. we had rain today. Im wearing my new Elwood tshirt my daughter got me for Xmas. I had a nice compliment of a teenager sunday, she told me, I didnt look like a regular mum.! ha... I suppose that means I look younger and am not uber dorky... made me feel 'aright tho.

things are looking up ....