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Payment holiday anyone?!

I was supposed to have a payment holiday of 2 months for my personal loan.  To my surprise I received a text message from my bank telling me there is not enough money in my account for the loan repayment today.

This meant another long winded phone call to the bank!

Not really great for my mental health and this is supposed to be helping me.  Any of you who have followed my other posts will know I have not been able to have any paid employment since December.   Having spent hours and 3 phone calls talking to Carol, Liz and Damian (I've changed their names to protect their identity, no   actually  I can't remember them 😂)at the bank I think I can breathe a sigh of relief for a bit and get on with living and trying to improve our lot.  So this text message is an absolute shock to me.   I hate owing anyone money and I have never been in any sort of debt before.  

Anyway once the phone had been answered the lady I spoke appologised that they hadn't cancelled the direct debit for this but don't worry it won't go through as there is not enough in your account.   Phew for now I think.

Solutions there are always solutions!


I had just completed my taxi driver test when lockdown hit, so have been unable to get my taxi driver licence.   I'm not someone who gives up easily so I have lots of plans up my sleeve but these are becoming harder and harder to enact. (Studying to be a paralegal, Primary School teacher course and so on) My LinkedIn message fell on largely deaf ears where I recommended businesses look at more ways to attract a workforce over the internet.   Aside from all this I keep myself positive for my family, I mean we are at least healthy and safe.  These things are priceless.  However the pressure is on, I saw it in my wife's eyes this morning when I told her of this text I had received.   Life like that for many seems like one step forward many more back.   

Have any of you ever searched for work from home jobs on job sites like Indeed?  If you have, you will see these are usually littered with highly skilled jobs and what I call pretend jobs such as filling in questionnaires and making maybe at best £5 per questionnaire bu on the whole you only receive £0.20 for other questionnaires .  All sounds good until you find out you can't access this money until you have got a certain sum.  Also these questionnaires often open you up to companies cold calling you about loans and so on.  It a sense you are selling your soul to the devil but getting nothing from it.  If knowledge is power then I don't want to give them knowledge about me or my spending habits or income.  There are only so many times I can complete these questionnaires with made-up information just to keep my interest levels up there enough to continue.   Suffice to say eventually I give up with my £5.50 in their bank which has taken me many hours to earn.  As I have had enough of people phoning or emailing me.  To me these are scams and not realistic options to make any money.  


There is ebay and other auction sites.  I've tended to end up paying more in postage than the buyers give me for my items.  I really must work on this skill.  


Apart from all this life is challenging but we are alive.  My youngest son still refuses to wear clothes which isn't good while you doing a children's song time session on zoom and your son suddenly decides to strip off and swing into the room.  Also the neighbours hate living next door to us as we have noisy children and a noisy dog, bless her she also has tummy problems so regularly needs to be let out in the night. Anyone tried doggy nappies (diapers)?

Anyway I leave it here as 'our house'by Madness is going round and round in my head.

Take Care and keep safe  😘

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