I've started late this year, but I'm being more frugal than years before, buying 2 cars in the space of a year has really messed things up.
Boys have a main present off Santa & are getting bits they need like slippers, PJs etc, and a traditional board game each in the Santa sack, they've asked for guess who & twister! There getting older now so not so much toys there after, youngest still loves Lego though.
Leah is a whole new fun ball game for us & it's hard to not go mad! But she won't understand & probably enjoy the paper & the boxes more!
Final IVA payment made in April 2013, never ever thought we could do it or get through it but we did! X
An IVA.co.uk Mentor is someone sharing from their experiences of dealing with debt
Lyns x