Just a note to keep all who are a bit fed up and thinking the end is never coming. The days seem to be flying past and in 61 days I will completed this challenge.
I feel for those who have had to extend for what ever reason as I had to add 6 months this time last year, also to those just starting and those who are further down the road stay positive and have a great new year all.
An IVA is just a ride, I can see some people are in the line waiting to get on it, this ride has ups and downs, scarey turns and in the end will turn your life around when you are allowed to get off. So try to keep in mind its just a ride.