That's very true Jan - we should all graduate with honours![:D]
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
Hi, We have been in our IVA for 7 Months now, can't believe where the time goes, I think trapped is certainly the wrong word, to us it was a life line. 2 of our loans we were payning we for longer than the IVA and nearly the same amount, I don't know where we would have been financially or mentally if we had not found this forum and indeed entered into our IVA's we are so greatful to think that in 53 Months we will be Debt free.