Fingers crossed for you Mazzie, you have been working your toosh off this year, you deserve a break xo
I don't think I'll be working anyless next year either im on a mission to get ahead lol

I'm with you Maz - there's no way I'd rent, I like the freedom too! After all, what landlord would allow a bright blue bathroom, hey?
its not going to be blue for much longer

thank you all for your positive vibes and advice. I am really looking forward to next year now, even if we dont get the loan Im still going to kick this debt in the butt