...I can now save up for any emergencies that crop up in the next 12 months without worrying too much about it, possibly for the first time in my life 'cos I have a better handle on my spending addiction now and I've just got the monthly bills to come out now, which is just about affordable each month... unless the electricity suddenly goes up, which I can't afford atm or at least until I get my extra benefit is approved... if/when that happens I'll hopefully be able to afford to clear our electricity and mortgage debts so that we can start again with a clean slate.
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