I received a payrise a couple of months ago, but the amount I take home each month doesnt exceed what the IVA say's I can earn each month, therefore I didn 't declare this to my IP, I was going to wait to my annual review. Will this matter? Or should I let my IP know earlier?

Congratulations! Best wishes to you on your IVA journey.

Congratulations! Best wishes to you on your IVA journey.

I love reading such positive posts on here, It really helps others an spurs them on. My mum, a couple of best friends and my boyfriend know about my IVA, I don't feel as bad about it now as I used to, I've taken positive steps to improve my situation, the important thing for me is to learn from this...

Thats great leaKybrain, I think the smartie tube saving £12.00 in 20p's is brilliant! I never would have thought of that!

Exactly. Really does make you think twice! I have never ever had a savings account, but this year is all about moving onwards and upwards for me, and I'm sure it is for alot of other people on here too! Even if I save a tiny bit a month I know I will feel a huge sense of achievement. Thanks dw1983 g...

Yes they do still change coins, just go to your own branch. I changed all my coppers just before xmas, there wasnt a charge for doing so.

That's brilliant! I know its such along time away, but imagine the nice suprise you are going to have come christmas 2011.

Oh yes! I have one of those massive Bell's whiskey bottles, i've only ever put 1p's and 2p's into it, this year though i want to put 10p's and 20p's into it, that will make alot of difference!

Thankyou! Think I will stick with my current bank, I'm trying to think ahead to next christmas! [:)]

Hi Guys, A question about savings. I want to open a savings account, i'm pretty sure this is ok? Just want to put a little bit away each month, not much.
I have the basic Step bank account with the Natwest.
Can anyone recommend any savings accounts? Thankyou.

I went on there about 2 weeks after my IVA was approved, but again it's never bothered me being on there! Unless you are in this position you will never know it exists. [:)]

Agreed Foggy....We are in control! And that is such a good feeling! [:)]

Thankyou Melanie for your warm welcome. This forum really helped me when I was starting my IVA, It means alot to think that there are others out there with the same worries and problems as myself. x

Thankyou Lesley, and yes I will keep posting x winter_blues, yes I agree it is a whole new world and an exciting journey, it's taken me quite a while to face up to the concequences of my over-spending so to speak, but this IVA is a lesson learnt to myself, I truly feel that I will never ever touch a...