feeling down

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claws67

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Post by claws67 » Thu May 19, 2011 1:20 pm
1 year 3 month gone need a holiday or something to look forward to.not going to happen .feel like screaming .£20 left till i get paid next week
 
 

kallis3

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Post by kallis3 » Thu May 19, 2011 1:28 pm
Hi claws and welcome to the forum.

So sorry to hear that you are feeling so down. Is there any reason why you are struggling so much now?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

claws67

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Post by claws67 » Thu May 19, 2011 1:33 pm
everyone is booking holidays this year.we seem to be worse off this year than last for some reason.just seem worried all the time
 
 

kallis3

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Post by kallis3 » Thu May 19, 2011 1:57 pm
That's the way it is I'm afraid - have you thought about doing something like the Sun Holidays? Some of our posters have done them and had a great time.

I presume you have done an annual review? Did your payments alter at all? Did you put up some of your expenditure such as fuel and food?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

oskiee6

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Post by oskiee6 » Thu May 19, 2011 1:57 pm
Hi claws,

I to am about 1 year and 3 months in and it is hard at times. I can remember initially concidering an IVA, then applying and worrying about being accepted, then 12 months on and worrying about the review. I do feel however that this time has passed so quickly. It feels good not to get the credit card bills. Like me you have some time to go but this will pass and before you know it you will be planning your holiday, and because you have had to wait it will be even more special. Keep your chin up this summer will be a hot one (so the weatherman says).[;)]
oskiee
 
 

Struzzo39

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Post by Struzzo39 » Tue May 24, 2011 9:57 pm
We all have really down days within the IVA. Its not an easy path to take. But day by day we are getting one step closer to that debt freedom. Keep smiling :)
Steven & Debbie
 
 

andrea1968

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Post by andrea1968 » Wed May 25, 2011 7:36 am
When you start to feel its getting a bit of a slog-think about how many years you would have had left if you hadnt taken the decision to go for the iva.

Ours would be 20+ years of juggling debt,watching wages being swallowed up in the overdraft,with no end in sight.
Now,things are tight and we dont have the luxury of the plastic - but we do have a date when it will all end.

I want a campervan and hubby wants a small fishing boat(he retires in 10 years-so they wont be on credit)-think of something you really want when it all ends and look forward to that dream!!!!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

kallis3

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Post by kallis3 » Wed May 25, 2011 8:12 am
Claws - you will be amazed how quickly the months go by! It does seem as though it drags sometimes and then you see the months to the end getting less.

I will shortly have done 38 months - can't believe it sometimes.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

Struzzo39

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Post by Struzzo39 » Wed May 25, 2011 8:28 am
I love posting on the forum as i post each days our counter ticks away knocking the time off left. its a good feeling :)
Steven & Debbie
 
 

kallis3

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Post by kallis3 » Wed May 25, 2011 9:09 am
Funnily enough, I don't tend to look at the bottom of my ticker - I look at the one under my avatar - I enjoy seeing that change on the 1st of the month and then I go and change the one in my signature.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
 
 

andrea1968

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Post by andrea1968 » Thu May 26, 2011 6:14 pm
took my ticker off-only had it about a week and it was just coming down too slowly!!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

Skippy

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Post by Skippy » Thu May 26, 2011 6:24 pm
I can't see your ticker Jan - for some reason I only get a little red cross!

Claws, it will be worth it in the end. The suggestion of Sun holidays is a good one and a few people on here have had a good time doing that.
 
 

andrea1968

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Post by andrea1968 » Thu May 26, 2011 7:10 pm
skippy-your tickers gone off now!!!!!!
full and final accepted January 2015

iva agreed; August 2010
iva would have completed; August 2017
extra year thank's to NRAM
 
 

libertyfund

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Post by libertyfund » Sat Jun 25, 2011 11:43 pm
I bought a tent, took some gear with me and we take ourselves away for a couple of nights somewhere, i'm dreaming of that 2 weeks sunshine break too. One day sooner than you think we'll all be those folk in the brochures sitting at the pool bar. Stick in there claws, whenever you feel down surround yourself with us lot, we're all the same.
 
 

kallis3

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Post by kallis3 » Sun Jun 26, 2011 8:10 am
I hate camping, especially in this country! I prefer to stay at home. I'm lucky in that I have managed to go abroad whilst in my IVA as my daughter paid for us out of an insurance policy she had mature. Hoping my parents are going to cough up this year so we can go somewhere nice and warm!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk
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