True! Well done Kay, and please be careful with that loan, Lowri!
(On the other hand, visiting Kelvin just once a month should help cut down on the financial strain since she won't be missing as much work nor will she have to pay so much in fuel.)
Also, I kind of wish she had been able to tell Dani, "You know, I said I'd love to spend New Year's Eve with you, but £50 is more than I feel I can afford at the moment." Rather than hiding behind "I can't find anyone to look after my children." (Even if that's probably also true; the taxi service should be very busy carting drunken revellers around.) I'd have hoped that Jac and Dani would have come up with something, either pay for part of her share or look for a cheaper way to spend the evening, so that she could still be included.