I HAVE SOLVED MY PROBLEM.
THE PROBLEM OF HOW TO PAY BACK THE BOY, PAY OFF MY OVERDRAFT, SAVE FOR CHRISTMAS (YES I KNOW IT IS ONLY MAY!) AND HAVE A SOCIAL LIFE!
I will have to give up football, my membership to my political party and also my pretence of putting money into my savings (which I spend anyway), but I was going to have to sacrifice something.
This is how it will play out.
There are 8 more paydays for me this year (as long as I don’t lose my job).
I owe the boy £1001.75, as long as I remember to give him £1.75 at some point all I have to do is give him £125 a month on top of my share of the bills each payday and by December’s payday the debt will be cleared.
I have a £500 overdraft. As long as for the next five paydays I make a payment of £100 towards it then that gives me 3 months to squirrel away £300 in total towards Christmas.
That leaves me with a disposable income of £100 a month.
I will have to cut back, no more speed boats and diamond necklaces, but I can maintain a bit of a life.
For the first time in too many days I finally feel like a weight has been lifted from my shoulders.