Just a qick hello,,, wishing everyone a very Merry Christmas, thanks to all who helped us on our way to a debt free future. We are almost 3 months in to our IVA & it seems to be working fine,, First Christmas for a long long time that we havent used credit & it feels great,, got everything that we need & still have some money left in our account,, budgeting can be fun & its nice now to log on to my internet banking without seeing O/D .
Its going to be a white christmas here,, built a snowman this morning with help from the dogs,,lol.
Its been a hectic month with work,, people wanting everything done for Christmas,, but now we are on hols so we can open a cold beer & kick back for a week,, best wishes & cheers everyone.
Kind Regards, MP
IVA accepted 1st October 2009