Thank you Jo.58 ... I have slept for about 2 hours on the couch - did not want to go to bed! It's 5.19am and my boys are not up until 7.15. Peaceful slumber. Off to hospital about 10.00. I know it's silly and it's only an endoscopy but it's the general anathestic that worry's me. Hopefully Im going ...

So tomorrow is a big day - my son is in hospital for an endoscopy and a biopsy. Im feeling anxious - I hate the whole routine of the general anthestic - one minute they're there and then they're gone! After all that my son is being fitted with a probe which bascially goes through his throat to measu...

Im going to have to be inventive with this one...don't know what the current trend is yet for the boys but no doubt my boys will let me know... beauty is... they accept only what I can give so Im not too worried. I have 2 newphews and 2 neices to buy for and we are all always on a budget so it makes...

Congratulations Shrews... here's to a new and better life!

Adding to this thread... I am still in the process of applying for an IVA and I suppose the ultimate question is what is "still live and enjoy yourself"... it means different things for different people. For me the big question was " why do IVA's fail' - I think this is paramount to your decision in...

Rosepetal and Lem I too am sorry to hear of your loss. And Skippy Kallis is right your dad and aunt would want you to be happy on your big day. My dad died 33 years ago when I was just 15 but I still think about him every day. I think that's what keeps me going because when I look at my boys I know ...

Thank you all so much for your kind comments. And some great tips in your post Kazzafunk which I will be taking on board. Kallis thank you for sending through the fb link for Jo.58. Everyone is so supportive and it makes the world of difference. Rosepetal, thank you I am definitely going to try and ...

Hi jo.58... me too whereabouts in the process are you? Just about got all my paperwork together and sending it off on Monday - recorded. Im with McCambridge Duffy - they have been absolutely brilliant so far. Pure professionalism! Hoping I get Michael Peoples but that's a long shot! lol Absolutely c...

Hi Nicola

I am just in the process of entering an IVA - my company have advised that you get to keep the first 10% of any bonus/overtime and the rest is split 50/50. So it's win/win situation I think.

Hope this helps.

This is an interesting read... if I won the lottery... yes I could pay all my debts off but where would it leave me... Im not sure - my fear is that it would ruin my life and more importantly my boys. What would I strive to attain...? that is my questions. We live on a budget month to month myboys h...

I have some Ovaltine in the cupboard - it's yummy just keep forgetting to make it... maybe tonight is the night! Or maybe tomorrow with Xfactor - that's my entertainment to take me through to Christmas. I love the cosy nights in with my boys... and now everything is going to get so much better. Is i...

thank you jo.58 and kazzafunk... silence is a virtue don't they say xx

It's all gone quiet here... did I do something wrong?

Thank you jo.58 - it'real hard but this forum is amazing! If you don't mind me asking did you go through the iva process?

Kazzafunk - Im a bit like you - can't roll the damn things but determined to master it - funny thing is that Im starting to prefer the taste of a roll up - but it is so frustrating when you can't roll them - I am f and b all over the place! lol. But i am smoking less and hopefully this way will get ...