IVA Approved

[Endsmeet]

Hi Andy,
Yeh I suppose that I am a realist but others may call me something else at times.
I know that the next 5 yrs will be tough but to be honest, I'm looking forward to not having to spend literally days working out who to pay and what 'fund' to pay them out of and when I say fund I mean another creditor.
Just gonna be so nice not to have to sit in front of my p.c. on payday and not having to work out how much to take out of that credit card and how much to give to that credit card etc etc.
Its gonna be tough but having spent the last 15 yrs with no money to my name and living off the credit cards and loans that I took out that having a small amount of actual money in my wallet rather than credit cards it will feel much better, well it can't be any worse can it?.
Thanks again to everyone for all your support and advice.