blank'/> A LITTLE BIT OF LACQUER: New Year, New You

December 31, 2015

New Year, New You


Happy New Years Eve everyone!! It's hard to believe that 2015 is already coming to a close, it's been an amazing year - from moving, to finally graduating medical school and starting life as real doctor, and to welcoming Ms. Elli to the family! Next year brings even more excitement with our big move to Miami and starting the rest of our residency training there, and who else knows what to expect! Although I'm not a huge fan of resolutions, I do love the idea that the new year is a clean slate, or at least the chance to start a new good habit or two. Today I'm sharing tips for five different facets of life (and some of the most common areas where we make our resolutions for the New Year). The (not-so) cleverly crafted 5 facets (I spent a lot of time coming up with words that start with F lol!) are family, field, finance, fitness, and fashion. As with most of what I share on the blog, what I share is by no means an expert opinion, just my opinion and what I've done. Alright, with all that said, let's jump in! And we'll start with the most important.


1. FAMILY
Family to me means your unit - so don't think I'm just talking about those with kids here - if you're in a committed relationship your partner is family.

One of the best things I ever did for my relationship with N was to stop holding grudges, and more importantly to stop keeping a tally. In other relationships that you don't want to last, it might be ok to hold grudges and to keep score of when they've messed up, or when you did something nice and they didn't reciprocate, or really anything. But if you do want your relationship to last, you will grow up and get rid of your scoresheet. Of course it's important to know if you want your relationship to last or not - if you're with a jerk then leave (trust me I know it's easier said than done, but leave as soon as you know it's not right). But in a committed relationship, toss the scoresheet and become a giver. Your relationship will be so much better for it, and you will be happier letting go.

Another good place to make some change? Making time for each other and making the time count. If you have a crazy schedule, write in time for your kids' events (or make a conscious effort to leave work at a decent time to spend time with them) and for date nights. And appreciate those little times together that frequently get overlooked. Just home together? Awesome, put down your phone and talk to each other! Time spent doesn't have to mean time actually out or doing something - it's being together that counts! Maybe this year you could make a new "no phones in bed" rule, or at dinner, or whatever it is where you realize your spending empty time together.

Along with family I'm bundling in friendship, and just wanted to say a tiny bit about it. To me friends were always about quality, not quantity. I keep a small circle, but this a circle I would do anything for, and I know they would do the same for me. As we grow up and get busier in our careers and family life, it might feel like it's harder to nurture those relationships, but it really just comes down to making an effort. One of my best friends sent me this article that I absolutely love and I think sums up a lot of what I would say if you want to read it. It's calling "Showing Up" and I'll just share one of my favorite parts. "The key to long-lasting friendships, particularly for the introverts who guard their personal time like it's the last Twinkie on Earth - is to say no to enough things that don't matter so that you have the energy and time to say yes to the stuff that does matter. Quality is better than quantity."


2. FIELD
I think it's awesome practice to set a new goal every year (or every month, or whatever chunk of time you want to set for yourself), to ensure that you're always moving forward and growing. I wrote this post about achieving goals at the start of the year and still believe in every piece - write your goals down, surround yourself with likeminded people, breaking it up into smaller pieces and setting mini deadlines, and most importantly being kind to yourself and being ok with change.

One great thing to do is to set the goal to find another mentor. You all know I'm a firm believer in the power of mentorship. Find a new mentor in your field, whether by asking around, or even doing a google search, and reach out to them. Pick their brain and learn from their experiences - mentors are great for helping you figure out what will matter and what won't in the grand scheme of things.

Another great goal? Become more efficient. This is a huge goal, and can (and should) be broken up into smaller mini goals to actually help you become more efficient, but working on your efficiency is key to getting more done and still having time to enjoy your life. Remember that there is a difference between being busy and being productive, let's stop glorifying busy and learn how to be more productive! One of the best books I read this year (actually who am I kidding, it's one of the only books I read this year), was this one, it really changed the game.

If you're interested in medicine make sure to read the medicine section of the blog, or just the section on general success!


3. FINANCE
This is probably the biggest facet that we're working on this year. Now that we've graduated med school and actually have an income, we're also paying back loans, saving for a house and college for the girls, and just overall trying to be financially responsible.

Having more money comes down to two obvious (but still worth stating) concepts: making more money, and spending less money. Right now it's a little hard to make more money, so we've been really working on the spending less side of things. For starters, keeping track of your earning and spending is critical to see how much money you really have (and need), and how much you could be saving. There are great apps and websites for this; some people prefer spreadsheets for tracking. Honestly it's still all a little overwhelming for me (although using this is one of my goals this year), so far I've gotten a lot farther just writing things down by hand in my notebook and figuring things out that way. Whatever helps you just see how much money you really have and are spending. Once you know this, you can search for places to cut spending.

For me this year that meant figuring out all of my credit card debt (remember that trip to Europe I took after college, yeah I put it all on cards, and no lie am still paying for it now). I have a great credit score so I always thought I was doing the right thing just paying my bill every month, but I was seriously just wasting money and not really making a big dent. I decided to consolidate my loans into one bill using this site, making it easier to pay and having a much lower interest rate, and thankfully will have my credit card debt gone in no time! So far I've dealt with them online and over the phone and have had a great experience thus far, definitely recommend if any of you need to consolidate!

When you have everything in front of you and are aware of what you do throughout the day, you can also figure out what's waste. For us it was cable. Although we like having cable and all the 5 million channels, we weren't actually using most of it that often. I was still hesitant to get rid of it though, because Liv is home a lot of the day, and although I don't want her in front of the TV for all of it she definitely has her favorite shows! Then I realized that with our Amazon Prime membership (every mama and student needs this if you don't have it already) we actually get Amazon Prime Video, and they actually have an awesome selection! They have seasons of Dora the Explorer (a must for Liv haha) and pretty much anything you could want - over our maternity/paternity leave we watched all of Hand of God in like 2 days - such a good show! Anyway, all this to say we realized we didn't need the cable and are saving a lot of money (I'm embarrassed to say how much I was paying for it)!

Search for other places where you could save money - maybe it's eating out when you could spend a bit more time planning and packing meals (or just buying in bulk at Amazon or Costco), maybe it's your horrible shoe-buying habit (I was definitely guilty of this), make a rule that you can't buy a new pair until you sell an old pair, or buy used. Get creative and save money. Now where to put that saved money is another huge topic that I really have no business talking about because we're still trying to figure that out too - for now the money we "save" is going towards paying loans off faster, but maybe there's something better we could be doing with it (to any financial aficionados reading the blog would love to hear any thoughts you might have haha)!

4. FITNESS
I'm just getting back into the fitness side of things post-baby, and I'm by no means a big fitness buff, so this section will be short! But even while I was pregnant I followed the same basic rules for staying fit - trying to stay as active as possible throughout the day (having a "no elevator" rule in the hospital, going on walks with Liv) and eating small snacks throughout the day instead of a couple of heavy meals. This also helped me keep my energy levels up throughout the day as well. I'll be doing a postpartum fitness post very soon, but for now I think one of the best things you could do diet wise is to plan/pack your food for the day. Not only does this save money, but it also keeps you from having to buy anything you shouldn't be eating. When I'm at the hospital I like to pack my breakfast (usually two packets of instant oatmeal and coffee), midmorning snack (banana and peanut butter is one of my favorites), afternoon snack, and sometimes dinner if I'm there late. Lunch is usually free and provided at our noon lectures, and usually has pretty healthy options.

As far as the gym, it's obviously easiest to just have a set time to go to the gym, and I can echo what (most) every other advice piece will say and tell you to go to the gym first thing in the morning before starting your day. I really do think this is great advice (and it's what my crazy husband does - he wakes up at 4:30am to jog to the gym near his hospital, works out, showers there, and then goes to work), but not all of us can be that dedicated, and one way we set ourselves back is giving up on our fitness goals when we can't keep up with a schedule like that. So one thing I do is keep a gym outfit in my car at all times. The hardest thing about going to the gym (at least for me) is actually getting to the gym. I find that when I'm already out doing something else it's much easier to convince myself to go the gym, and I have no excuse when the clothes is already in the car!


5. FASHION
I usually don't really like the word fashion, I'm more a fan of style, but I needed an F word for the post! When it comes to style, (for me) it's all about choosing timeless pieces and building a small wardrobe of interchangeable pieces.

You can start with cleaning out your closet. First decide what you're going to do with the stuff you don't want anymore - for me I'm either selling it or donating it (or trashing it). I've recently started using this site to sell quality bags, shoes, and accessories that I don't really use anymore (accessories always have a better resale value) and am looking forward to using it more. It's a personal preference of mine, but I really prefer donating clothes that I no longer use versus selling it (but you can also sell clothes on the site). For the most part I find that used clothes has less resale value, and really makes a bigger difference to someone who can't buy it otherwise - so donating it to a church or your local woman's shelter really goes a long way (if you're in the Boston area, Rosie's Place on Harrison Ave accepts clothes donations, and around this time coats and warm clothing are in need! I'm sure there are many more places that accept donations as well)!

Once you know where it's going you can get to cleaning out the closet. Really analyze everything in your closet and think about whether or not you use it regularly (or at least for the same thing every year, like a favorite Christmas sweater) - if you don't get rid of it. Even if it's something beautiful, or it was on sale at an amazing price, or whatever excuse you're using to keep it in your closet, if you're not wearing it, you don't like it that much. And take a good look at what you do wear -do you gravitate towards a certain color palette, or a certain shape of pants or dress? Nothing wrong with that, that's your style, and it's ok to stick with it. I did a post at the start of 2015 with my wardrobe staples and will be doing another one soon (hint - it still looks pretty much the same as last year)! As you buy clothes throughout the year make sure to ask yourself if you really need it and if it works with what you already have. Many people like setting monthly clothing budgets and this is definitely a great idea if you're someone who does a lot of clothes shopping! My girl Fran (another fabulous blogging lady in medicine) just did a great post on setting a clothing budget if you want to read more!


And that's just about it for now! I hope some of you could find this post helpful as you start the new year! Wishing you a wonderful one!

73 comments:

  1. Start putting a small amount of money in your savings every month whether that is 50 or 100$. If you have Chase bank you can automatically set it up where they take out a certain amount from your checking and put it into your savings! You don't have to worry about it and then the next time you check it you'll be surprised at how much you have. I'm not really into resolutions either, just have things I look forward to this coming up year. Hope you have a wonderful New Years!

    theandriadiaries.blogspot.com
    xo,
    Allie

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  2. What is the name of the book you recommend? The link didn't work for me :(

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  3. Hi Laura, do you think 30 is too old to pursue a career in medicine? I still have to finish my bachelor's degree and I am interested in Dermatology. I have a 2 year old daughter that is just one week younger than Liv! Thanks for the advice, lots of love!

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    Replies
    1. Shoot me an email and I'll get back to you with a bit more of an depth answer! xoxo

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  4. Nice photos :)
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    Maria V.

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  5. These are great, well-put goals for life in general. Thank you for sharing, and best wishes to you and your family for the new year

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  6. Great post. I recommend our personal finance series (www.loveandthesky.com) for anyone looking to revamp their budget, savings plan, or improve their credit score.

    Alex and I are in a similar position in that we have a significant amount of student loan debt but our post-residency salary is significantly more than we're making now. Our financial adviser actually made the point that it's more beneficial for us to save any extra money we have vs paying a couple of hundred dollars extra on student loan. We've discussed a plan with him that will allow us to repay our loans off 3-5 years post-residency. I highly advise sitting down with someone who specializes in physician finances, especially since you two have two dependents. The book white coat investor is also a good primer.

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    elyse

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  7. I use Mint to budget and track my spending. I love it! I have the app on my phone so I can easily look at a specific category in my budget plan and decide whether or not I want to buy something. It basically discourages impulsive buying.

    I also read "Essentialism" last year! Love love love it! I read it right before I began school in the fall (preparing my mind to juggle med school and be efficient) and it totally changed my perspective. Particularly because in undergrad I was one of those people always doing everything. Lesson learned! Lol

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  8. I use Mint to budget and track my spending. I love it! I have the app on my phone so I can easily look at a specific category in my budget plan and decide whether or not I want to buy something. It basically discourages impulsive buying.

    I also read "Essentialism" last year! Love love love it! I read it right before I began school in the fall (preparing my mind to juggle med school and be efficient) and it totally changed my perspective. Particularly because in undergrad I was one of those people always doing everything. Lesson learned! Lol

    When you get a minute, please check out my blog: www.curveballsandmedschool.com

    Thanks!

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  24. We offer a variety of Financial packages at a very low interest rate, We stand apart from other lenders because we believe in customer service, We offer the right solution to your financial needs.In general we are FINANCE COMPANY, We offer loan at 3% interest rate ranging from $2,000 to $10,000,000. Commercial loans, business loans, home loans,car loans and debt consolidation loan are available for you. Contact us for more information via E-MAIL:MIKELARRYLOANFIRMWORLDWIDE@YAHOO.COM

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  27. DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

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  28. Are you looking for a loan to clear off your dept and start up your own Business? have you being going all over yet not able to get a legit loan Company that will loan you? Here is your final solution, We can give you any amount you need provided you are going to pay back within the period of time given without any problem. Apply now and contact us for more details via email below. Email:michaelsmithloanfunds@gmail.com or text or call us on;+18305415524

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  31. We are a financial consultants that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our reliable loan company and other TOP PRIME AAA BANKS like Bank of America, HSBC, Lloyds, Wells Fargo, The Best Banks for SBA Loans etc. Feel free to engage our leased facilities in trade programs, project financing, Credit line enhancement, Personal loans, Truck Loans, Car Loans, Real Estate Loans, Refinancing Loans, Debt consolidation loans, Education Loans, Mortgage Loans, Farm Loans, Corporate Loans, Business Start-up Loans or Business Expansion Loans and many more, We offer all types of loans

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  32. Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

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  33. Are you a business man or woman? Are you in any financial mess or do you need funds to start up your own business? Do you need a loan to start a nice Small Scale and medium business? Do you have a low credit score and you are finding it hard to obtain capital loan from local banks and other financial institutes?.

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  35. ATTENTION ARE YOU IN NEED OF PERSONAL LOAN/INVESTMENT LOAN/BUSINESS FUNDING?

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  36. Hello...

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  37. WELCOME TO ABIGAIL MILLS abigailmills.loans227@gmail.com our aims is to provide Excellent Professional Service.

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    BORROWER INFORMATION

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    ReplyDelete
  38. My name is Mrs Abigail Mills we are a new legit loan lenders of 2018 and we like to help any body that need financial help we offer as from $500,000.00 and $5,000,000.00 and we also give out loans in euro above that so if you need help kindly send us an email on:abigailmills.loans227@gmail.com so that your loan transaction can take place now you will be with your loan in the next 8 hours it is a fast transfer and is safe without any delay. So email:abigailmills.loans227@gmail.com if interested

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    ReplyDelete
  39. WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

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    Our loans are well insured for maximum security is our priority, Our leading goal is to help you get the services you deserve, Our program is the quickest way to get what you need in a snap. Reduce your payments to ease the strain on your monthly expenses. Gain flexibility with which you can use for any purpose from vacations, to education, to unique purchases. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

    We offer a wide range of financial services which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation Loans, Business Loans, Private loans, Home Refinancing Loans with low interest rate at 2.00% per annul for individuals, companies and corporate bodies. Get the best for your family and own your dream home as well with our General Loan scheme. Interested applicants should Contact us via email: abigailmills.loans227@gmail.com

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    Kindly write us back with the loan information;
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    ReplyDelete
  40. Greetings..
    Please contact us for your secure and unsecured Loan at an Interest rate of 2%
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    ReplyDelete
  41. Attention

    We are a financial consultant that handles international finances for any amount of banking instruments. We have the access/contacts to raise from $10 thousand to $500 Million Dollars, With our company (Abigail Mills loan company) and other TOP PRIME AA BANKS like Bank of America, HSBC, JPMorgan Chase & Co, Wells Fargo, The Best Banks for SBA Loans etc.

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    We have provided over $1 Billion in business loans to over 17,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

    Do you find yourself in a bit of trouble with unpaid bills and don't know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can assist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Abigail Mills loan company is the answer. Reduce your payments to ease the strain on your monthly expenses. contact us via Email(abigailmills.loans227@gmail.com)

    Intermediaries/Consultants/Brokers are welcome to bring their clients and are 100% protected. In complete confidence, we will work together for the benefits of all parties involved. Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable.
    Email us via: abigailmills.loans227@gmail.com

    Regards
    Mrs Abigail Mills
    Email: abigailmills.loans227@gmail.com
    Motto: We offer the fastest and reliable financial services

    ReplyDelete
  42. Hello Everyone

    My name is THOMAS CHRISTOPHER and i am from Washington, D.C. i want to tell you all loan seekers that there is only one real loan company that offer loans and they helped me with my loan the name of the company is Macro loan company and the loan lender that helped me with my loan her name is Mrs Abigail Mills so if you need a loan without being scammed go to this company now and receive your loan there loans is safe and fast their mail is abigailmills.loans227@gmail.com so wish you all the best loan seekers this is the real company that offer loans.

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    ReplyDelete
  43. Hello everyone my name is katheryn Liz Rhea am from San Francisco USA. I just received my loan now from Mrs Abigail Mills loan company they are new legit loan company of 2018 and it has not been long i received my loan from them i got my loan from them today and now as am posting this message i am very happy this company is real great so anyone that need a loan contact this company they are real great their mail is abigailmills.loans227@gmail.com

    ReplyDelete
  44. Hello everyone my name is Maksims Odincovs and i am from USA, Chicago i have been on the internet and i have heard people saying they have been scammed before and i urgently need a loan so i was afraid to apply for a loan online thing i saw 3 people testify about Mrs Abigail Mills loan company that they got there loan from her i have never applied for a loan before and i was so afraid that i will get scammed but i believed what the people says and apply from that loan company and everything was fine and they told me to send the transfer fee which will be used to transfer my loan when they told me that i was so afraid that it was a scammed so i sat down and i thought about it and i went back to them and tell them i have never done this before but Mrs Abigail Mills said i should trust them that they are going to help me so i did and i went to send the fee which they said i should send for the transfer of my loan just today i got an alert from my bank that there is money on my account. Today i am very happy i have never been scammed before and i received my loan once so now i am happy and me and my family is going to be happy too so anyone that need a loan should apply from this company without been scammed because she is real and great and i pray God should continue to use her to help people of there loans. her mail address is abigailmills.loans227@gmail.com.

    Once again i remain Maksims Odincovs

    ReplyDelete
  45. My name is Deann Twila Alba i am from San Antonio i have heard of this company that they give loans and i went to apply for a loan from them i have heard people saying about scam but i have never been scammed before this company helped me with my loan so anyone that need a loan should apply from them there loans is fast and safe their mail address abigailmills.loans227@gmail.com

    ReplyDelete
  46. Hello Everyone

    My name is Gabriela Yunes i am from New York City i have been looking for a loan online and all i get is scammers but i found this loan company called Abigail Mills loan company and i have seen people online testify about there good deeds so i decided to try if i will be happy once again so i applied for a loan of $350,000.00 and the loan lender Mrs Abigail Mills assured me that in 12 hours my loan will be in my bank account so today as i was working i received a message from my bank that there is some funds of $350,000.00 in my account and i thank Abigail Mills because she is real so if you need any online loan please do not be scammed like me apply from this company because she is the only real company that gives loan online. Their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  47. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  48. Hello Everyone

    My name is Gabriela Yunes i am from New York City i have been looking for a loan online and all i get is scammers but i found this loan company called Abigail Mills loan company and i have seen people online testify about there good deeds so i decided to try if i will be happy once again so i applied for a loan of $350,000.00 and the loan lender Mrs Abigail Mills assured me that in 12 hours my loan will be in my bank account so today as i was working i received a message from my bank that there is some funds of $350,000.00 in my account and i thank Abigail Mills because she is real so if you need any online loan please do not be scammed like me apply from this company because she is the only real company that gives loan online. Their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  49. My name is Vonda Dionne i am from Los Angeles i just got my loan from a new legit loan company of 2018 and the name of the company that helped me with my loan today is Abigail Mills loan company they are the most lovely loan company i have ever came across with i applied for a loan from them yesterday and the only thing i did was pay the transfer fee which they said i should pay and immediately i make the payment in the next 12 hours time i was with my loan sorry i can not say how much they helped me with but it is a large amount of money so everyone if you need a real loan this is the right loan company to contact their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  50. Good day everyone my name is Donna Susan Patricia and i am from Houston, USA i want to use this chance i have now to write this message to the internet if anyone of you is looking for a loan real this is the right company to contact i am a business woman and i applied for a loan in a 2017 legit company and the name of the company is Abigail Mills loan company they have been helping people since 2016 and we are in 2018 now and i just received my loan from them so if anyone of you need a loan go and apply from them because they are real i just pray you people that need help with a loan don't get scammed that is why i am using this chance to write this message on the internet if you need a loan legit loan apply from this company so that you wont get scammed when you apply from the wrong company. their E-mail address is abigailmills.loans227@gmail.com.

    Have a nice day everyone and i pray you are all happy as i am today

    ReplyDelete
  51. My name is Kimberly Lori Cheryl and i am from US, San Jose i want to use this time to tell everyone on the internet on how i received my loan after been scammed 3 times i applied for a loan from Abigail Mills loan company yesterday i saw people testify about her good works and on how she helped people so i decided to apply and she told me what i needed to do i was scared but i did it this morning now i just received an alert from my bank there there money in my account and i checked the amount and it was my loan i am so happy. So i want to use this time and say to everyone on the internet that this company is real if you need a loan this company is the right company to apply from do not get scammed like me because there are scammers out there apply from this company and you will be happy. their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  52. My name is Freida Erna Madeleine i am from Chicago USA i want to use this time to write to the internet that i just received my loan funds of 5 million dollars from this company called Abigail Mills loan company at first i did not believe what people were saying on the internet but i decided to try and i applied for the loan 2 days ago and i just received a call from my bank that there is the sum of 5 million dollars in my account and immediately i received an alert from my bank Abigail Mills loan company called me and asked me if i have received my loan and i told them yes so they said i should bring more people to there company if anyone do need a loan so if you really do need a loan this is the company to apply from they are really great and i believe now that there is a real loan company that gives loans and that company is Abigail Mills loan company so if anyone of you need an urgent loan and it is important this is the right company to apply from. Their mail address is abigailmills.loans227@gmail.com.

    finally i am really happy and can start my own business now. Thank you once again Abigail you are great and God bless you and your company.

    ReplyDelete
  53. My name is Gwendolyn Tammie Shari. I am a single mother and i am from Canada and i live in the city of Montreal. I want to use this time to tell everyone on the internet that there is only one company that offers real loan and that company is Abigail Mills. I was looking for a loan online for the past 3 weeks now and all i have got is lenders scamming me of my money that i had God knows i was so poor and i wanted to kill my self but there i saw so many people testify about this company that they give out loans at first i did not believe cause i saw other testimonies of other lender and they all turned to be scams. I said let me apply from this company and see if it is true and immediately i applied they told me everything i needed to do and i agreed and they assured me that in 8 hours time i was going to be with my loan cause they said they are using fast transfer service. At first i did not believe but i waited for my loan before 8 hours time i received an alert from my bank and be hold it was my loan i was very shocked when i saw it and i prayed to God for directing me to the right company who helped me today as i am writing this on the internet now i just received my loan from this company and i am using this time to testify to other people if you need a loan a loan don't be fooled this is the right company to apply from. Their Email address is abigailmills.loans227@gmail.com

    This company is true and great if you need a loan apply now and wait for your loan cause you will be happy with this company.

    Thanks everyone and i remain Gwendolyn Tammie Shari.

    ReplyDelete
  54. Good day My name is Ebba Agnes Lilly i am from New York City this company Abigail Mills people are talking about is real i never wanted a loan but i just said i should try this company and see if what people are saying is true and i applied for a loan from them yesterday and i just received my loan today from Abigail Mills loan company anyone if you read this message and you need a loan apply from this company cause they are going to help you this company is the only company that offers real loan online. The loan i applied from them was $75,000.00 dollars and in 8 hours time i received my loan so my friends don't be scammed if you need a real loan this is the right company to apply from. If you are interested of there loans their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  55. Hello Everyone

    I am Wilma Linnea Matilda and i am from Philadelphia USA. I was looking for an online loan and i was very scared i have never applied for a loan before and i searched very well and search for a real company there i found a company called Abigail Mills loan company i look and i saw what people said about this company was true i decided to apply for a loan from the company and i needed a loan of $150,000.00 dollars to start a business when i applied she told me all i needed to do i did it and she assured me that in 8 hours time i was going to be with my loan i said okay and i waited in exactly 8 hours time i receive my loan from this company as i am writing this now i have never been scammed before and this company is great i have been hearing people talking about scams but i have never been scammed before and i thank God for that. So everyone if you need a real loan this is the right company to apply from they will help you and the time they tell you that you will receive your loan that is the exact time you will receive your loan. I just have to write this message to everyone so that you wont apply for a loan from the wrong company if you need a real loan contact this company and you will be happy. Their mail address is abigailmills.loans227@gmail.com.

    ReplyDelete
  56. Good day everyone

    My name is Vanessa Jodi i am from Los Angeles USA. I want to use this time to write to the internet that anyone if you need a true loan Abigail Mills is the right company to apply from few days i was in need of money and i looked for a loan online i saw a company and i applied that company cheated me 2 times of my money i was so sad cause i needed money so i decided to look for another company and i applied from another company that same company also told me to deposit money and i did and never got my loan i was like what is happening to me cause i needed money urgent to buy a house cause if i do not get a house soon my landlord will drive i and my family away from his house so i needed to get my own house. When i was searching again i saw this company Abigail Mills i saw a lot of people testified about this company that the company is truly great so at first i was afraid to apply cause i was cheated 2 times so i said to my self let me try and see if this company was real so i applied. When i applied they told me all i was needed to do i was still afraid but i trusted them and they assured me that in 8 hours time i was going to be with my loan i wanted for my loan and on my eyes i received an alert from my bank that there were a sum of $200,000.00 into my bank account and i was very happy in a while ago the company called me and asked if i have received my loan and i told them yes and i thank them and as i am writing this message on the internet now this company have also helped my 2 brothers so anyone if you need a true loan Abigail Mills is the right company to apply from. In case you are in need of money you can only contact them via mail and their E-mail address is abigailmills.loans227@gmail.com. I thank everyone who read my message and be safe and apply from this company because you will be happy with them.

    ReplyDelete
  57. My name is Robert Christopher. I am from USA New York City. I want to write to the internet that if you need a real loan Abigail Mills is the real loan company that gives loan i applied for a loan from this company last week Friday and i just received my loan from them today so everyone if you need a real loan without been scammed this is the right company to apply from thus company is truly great and they are real so many people that have been scammed if you need a loan without being scammed this is the real company that gives loans i applied for a loan from this company Abigail Mills and i received my loan today so anyone around the world if you need a true loan locate this company and be rest assured that this company is going to put a smile to your face. the company can be contacted via mail their mail address is abigailmills.loans227@gmail.com Thanks to anyone that will read this message this company does not know am doing this i am only doing this for people in need of a real loan to be safe.

    ReplyDelete
  58. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  59. My name is Leo Daniel Archer and i am from Australia i live in a city of Sydney. Have been looking for a loan online since can not get a loan from my bank and have only found people scamming me of my money. Last week i was scammed by a loan company and God know i was ready to end my life but i said to my self let me try and see if i will see a honest company that was ready to help you. So i settled down and search for a company and i read so many good comments about this company Abigail Mills and i said let me apply and see if i will be lucky as other people i was afraid but i gave my self a chance and i applied for a loan of $80,000.00 i explained to this company that i have been scammed and they told me not to worry that they will help you that they have helped so many people from my country before. So i gave this company a chance and they assured me that in 8 hours time i was going to be with my loan i did not believe but i waited for my loan. In exactly 8 hours time i received an alert from my back that my account has be credited with $80,000.00. All thanks to Abigail Mills this company is God cent. And i made a promise to my self that i will testify this company on how they helped me this company do not know am doing this now that am telling people on the internet how they helped me so everyone if you need a real loan Abigail Mills is here to help you do not be fooled by fake people who clam to be lender. I almost forgot you can only contact this company via mail and there contact details is abigailmills.loans227@gmail.com. This company is real and true so anyone that reads this message and you are interested contact this company cause they are the only one's that can help solve your problems.

    ReplyDelete
  60. I am Brayden Wyatt Bryce by name i am a police officer and i live in New York city in USA. Few days ago i was searching for a loan online and i only found people scamming me of my money. I really need this loan for a project in Colombia and i have been cheated severally one day when i was off duty i decided to look again this time for a true company that give loans i found this company named Abigail Mills loan company and a lot of people have testify about this company at first i did not believe but i decided to apply the loan i was looking for was the sum of $7,000,000.00 i applied from this company and they told me all that needs to be done i trusted them and i did what they told me to do and they assured me that in 8 hours time i was going to be with my loan safely i never believed them but i waited for my loan in exactly 8 hours time i got a call from the company that if i have received my loan yet and i said No. They told me to go to my bank and check my account that my bank might not send me an alert i obeyed and i went to my bank and check my account on my eyes i saw my loan of $7,000,000.00 in my account the money i was having on my account before was $1,000,000.00 and i now found $8,000,000.00 pulse my money and my loan was $8,000,000.00 i am so happy and i thank this company for they are great. I want to use my little time to write to people in United States that if you need a real loan Abigail Mills is the right company to apply from this company does not know am doing this so anyone if you need a loan you can only contact this company via mail or whatsapp but i do not use whatsapp so their mail address is abigailmills.loans227@gmail.com

    ReplyDelete
  61. Abigail God will bless you and your company

    My name is Veronica Rose Holly. I am from Chicago USA. I have nothing much to say anyone that need a true loan without you being cheated should apply from Abigail Mills cause i applied for a loan from this company today after i read so many good and wonderful comments about this company. I applied for a loan to pay my debts and all i needed was $50,000.00 because i will also use part of that money to pay my children school fees. As i am writing this on the internet now i just received my loan from this company today and i am so happy i never believed i would ever be happy again cause i have passed through a lot and i thank God for Abigail Mills God will bless her and his company for putting a smile to my face. So anyone around the world from Chicago and other countries that need a loan your helper is here and the company is Abigail Mills anyone that applied from Abigail Mills loan company will have no problem cause you will receive your loan exactly the time she tells you. their company Email address is abigailmills.loans227@gmail.com

    Once again God bless you Abigail Mills and may you live long to continue helping people.

    ReplyDelete
  62. My name is Gwendolyn Shirley Tammie and i am from Houston in USA i just received my loan from Abigail Mills loan company right now and i have heard about this company and i thought it was a fake company but now i am so happy this company helped me and 100% this company is real so anyone that need a loan this is the right company to apply from now i applied for a loan for my business of 250,000.00 USD and this company helped me without delay i am so happy i am testifying this company because i saw other people do it and i am happy to be among the people who shares testimony on how this company helped me so everyone if you need a real loan your helper is here. their contact information is abigailmills.loans227@gmail.com

    ReplyDelete
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