To be honest we have been in our IVA now since June 2006, yes its hard, yes some months or weeks are tougher then others but to be honest we are in a better situation now then pre IVA, simply because if we do find that we have spare cash we need to think a lot more wiser then before, pre IVA we would go out buy whatever and not worry about next week, now if we have a spare £30-40 we find ourselves thinking ahead, its making us much more wiser on how to handle our money.
We dont have a contingency fund, its one thing we didnt take into account and that scares me if something like our boiler was to breakdown or alike, but after reading this forum i have found out that if something like that happens speak to your IP and they might be able to help.
We dont have things like Dental or Optical, i wear glasses and managed to get a free eye test from work, thankfully i dont need knew ones, but to be honest if i did SpecSavers are doing buy one get one free and I would have to try to save any spare cash.
At the end of the day my philosphy is simple, we got ourselves in this pickle and its only us that can get ourselves out and the sooner we can the better, i am only saying thats our philiosphy and not that everyone else is the same, its hard i have down days but then i have good days knowing that in 3 yrs time that glimmer of light at the end of the tunnel will finally be reaching distance!! I would hate to think of my stress levels now if we werent in this IVA and what could have happened if we did not action it when we did. as for what is left over each month its hard to say, as i am paid monthly and my partner is weekly and Self Employed so his wages fluctate alot so some weeks we might have spare cash and other weeks we are short and thats where we have to think logically about what we do with our spare cash!
Please try to stay positive it will all work out for the best, and your kids will appreciate it in the long run as they will have happier and less stressed parents
Roisin
WOOP WOOP Completed
