Hi winter_blues. Thankyou for your welcome! Really settled into my IVA now, at first it was really hard to budget....something I had never done before. I've been browsing on here for nearly a year, only really felt confident enough now to share what i've learnt so far! I must say time does go fast w...

Hello everyone. Just wanted to introduce myself, been browsing on here for quite a while now, I must say it's a fantastic forum and has been a great source of comfort and advice for me over the past year. Thanks again! Hopefully I will be able to help others goin through or just starting their IVA j...