What you use your money for prior to an IVA is up to you, most people use it as a contingency fund - as others have said though, don't go stupid with the presents though.
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
last year I bought 40 staff a present each ...have told them i'm not this year. already agreed not to buy for friends so just family and my boss which is the problematic 1! I have a voucher code for 25% off that expires tomorrow. they won't accept a postal order and online exclusive!!!
I think most people accept that things are tight these days with the price of everything going up.
Just tell them that you're cutting back.
Thankfully we don't buy for people at work, especially the boss!!!! In fact we get a bottle of wine each from the management.
We just do family - don't buy for any friends at all. Christmas is quite miserly in our house!!!!
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
I'm thinking about that stuff at the moment Recovering - but told my kids that this year was going to be a bit different !
As for my family & friends, I have found vouchers to get discounts etc for the shops I use and I also buy vouchers/gift cards etc at a lesser value as I get some discounts through my job.
I have been fairly good though and have only paid out a 1/3 of what I would normally spend.
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!
I feel like i'm treading water at the moment, I don't know how far along I am or how long it takes I just don't want to not be accepted and to know when and how much i will be paying
you started about the same time as me and I've been told today my proposal will be sent out this week.
should not be long now for yourself.
Dont think about not getting accepted,
no one on here will let you think that way, it will go though in the end.
Last edited by kev59 on Tue Nov 22, 2011 5:12 pm, edited 1 time in total.
IVA now over with and it was worth it.
now starting my life again,
Most of my presents are vouchers I earn doing online surveys.
recovering - have you had your proposal yet? Once you get this and check and sign it and send it back, it's sixteen days from your proposal being returned to the meeting date normally.
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
You should get it soon - just make sure you read it properly and are happy with what is in there.
I am sure you will be ok, we have not had a rejection on here for a very long time and your IP would not be putting your proposal forward if they didn't think it would be accepted.
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
better letting your felling out then keeping them to yourself,
you dont sound like a muppet, all your doing is asking as your not sure which way to go. we have all been there.
IVA now over with and it was worth it.
now starting my life again,
Recovering - we've all been there, we know just where you are coming from.
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
