It is obviously becoming very difficult to arrange the frugal friends using this informal system !
We are now restructuring them with a yearly program of dates and events which will start in 2009.
Thank you very much to everybody who has contributed to their success and we wish you a very merry Christmas Party [:)]
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Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk