Hi Shaun
We hear this quite often on the forum and it,s a reminder to people contemplating an IVA to ensure that they give themselves enough each month to"live"on.
I,m afraid that holidays cannot be built into your living expenses,but its reasonable to build in a fund for xmas and birthdays if you have children.
You need to speak with your IP about your situation,they have a duty of care for not only your creditors but for you also.
See if they can propose a variation meeting to lower your payments.
Regards
Andy Davie
IVA.co.uk Spokesperson and site manager
(aka Neverending)
Please check out my blog:
http://andydavie.blogs.iva.co.uk
View my profile here:
http://www.iva.co.uk/andy_davie_profile.asp