This does look quite good, and Cllr Wilson is known to be a good bloke. Wonga is pricey, but I have used it when the number of clients requiring more expensive service (usually feline terminations) drops to say one a week. The good thing about Wonga is its quick and so you can react to a sudden drop in expected income and still go out . Not sure this credit union is so fast paced but i will check it out. Christmas for a vet can be dicey.
Chang
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