It's brilliant isn't it! Just ordered (and paid for) a new carpet and patio doors and windows that are about to fall out! So looking forward to our holiday to Scotland that again is paid for and put a decent amount of spends to one side. Have a credit card but pay it straight away, only because it's...

Thank you. I did a really long detailed post that took me ages, thought I'd posted it but mustn't had done it right!
We have really got ourselves back on our feet and I love having money in my purse. Obviously I'm extremely careful now and don't like spending it!
Never going back to the dark days!

6 months after completing our Iva we have managed to do a remortgage successfully. I know people recommend using an expert in this field but I couldn't face it, had no problems whatsoever and managed to get a 5 year fixed rate at 2.63%. Kept to our remaining term of 19 years but borrowed an extra 10...

Are you still in your iva?
If yes your inheritance should have been declared to your provider.
I'm no expert but hopefully some one will be along to answer the question soon.

No, not bad at all considering we were paying £420 a month into the iva. So still have a bit extra each month

Foggy, we got it with hitachi personal finance. Applied through ClearScore as it showed 80% chance of being accepted. It was advertised at a rate of around 4% Apr, so didn't go up to much with our history. Only borrowed 5500 over 5 years @ £127 a month. Got a 13 plate car with 13000 miles so will se...

Just checking in after 2 months since completing. Thing are looking up, a little cash left and the end of a month, things not as tight as they were. Just managed to get a small loan at 10%apr for a much needed new car, was so scared of being rejected! We did this through Clear score so had an idea o...

Well done watzki

Got a good deal with currys, £200 with free delivery,installation and removal of old one. Before iva we paid £700+ for one, obviously on credit!.......... never again. We shall live within our means from now on!

<r>So our washing machine decided to give up yesterday! Typical! But we have just about managed to scrape together enough cash to buy one outright. It will be a tight couple of weeks, but nice not to have to get credit (not that we can yet!). Happy new year folks <EMOJI seq="1f600">😀</EMOJI>...

Fab post watzki, it's a fab feeling. Lots of lessons learned. Had a great Christmas with the family and able to afford a bit of something for our parents as a thanks for all their support over the last 6 years. Going forward,we have a few quid left in the bank and it's such a nice feeling! The IVA w...

Thank you everyone. I thought we would have to wait until the new year!

<t>Oh my god! Exactly 29 days from our last payment we have received our CC. We are made up! It's been a bumpy ride but many valuable lessons have been learned. Thanks to all of you lovely people on the forum,I love it and will still be around. Happy Christmas all. To all of you just starting out,it...

Fab,fab,fab! This is the post I've been waiting for! Hopefully ours will follow soon. Merry b***** Christmas! Enjoy your debt free future and a massive congratulations from me xx )

Brilliant! Well done!