It feels weird

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Mrs.T.

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Post by Mrs.T. » Sun May 19, 2013 8:30 am
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On Friday I made my last payment to the IVA. I have butterflies in my stomach.

I signed PPI papers over 18 months ago and have no house to worry about remortgaging as we had to give it up at the start of the IVA. DFD say our closure should be straight forward......I won't hold my breath but you never know there could be a positive post for them.

For these five years we have been planning a 'to do' list. One of the first things was to plan a holiday. Oh dear I think I have been in a time warp regarding money or am I just very sensible with money now and won't be ripped off by glossy brochures now it is my money I am saving up!!

Hubby and I have been awake since 6am as we are still getting used to the idea we are finished. At the moment we have decided to just sit back and not rush into anything. We shall save some money and think about things. Wow this is a new experience. It feels so surreal.

Am I alone or does everyone feel like this?
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Foggy

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Post by Foggy » Sun May 19, 2013 9:46 am
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Well done Mr & Mrs T :-)
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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Shining

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Post by Shining » Sun May 19, 2013 2:27 pm
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Fantastic to have finished isn't it?
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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louiseh

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Post by louiseh » Sun May 19, 2013 3:27 pm
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To be honest, I really looked forward to the last payment, but was a bit of an anti climax really. Yes the payments are over, but we just feel like we are now just left in limbo, we cant move on until we have our completion certificate.
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Shining

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Post by Shining » Sun May 19, 2013 6:26 pm
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I think that with an IVA it does change you for life. I never stop thinking about money (or is that just me?) Everything I see, everything I buy goes through my head, do I need it? how much is it? can I get it cheaper?

Hubby and I off to London for a weekend away (Fri-Sun) and dreading how much we'll spend.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Struzzo39

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Post by Struzzo39 » Tue Jun 04, 2013 7:03 am
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Well done Both of you. Enjoy being debt free. I cant wait to we come to an end and move on with our lives to the next chapter. Good luck
Steven & Debbie
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carole2662

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Post by carole2662 » Tue Jun 04, 2013 8:40 am
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Lesley I think you are right an IVA does change the way you look at spending. I have lost a lot of weight and needed some new clothes including underwear. I have saved some money and went to M&S but found it very hard to justify the prices. I bought a pack of knickers and came home with money still in my wallet.I will try again next weekend.
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