Congratulations Melanie. Have been glued to this forum for the last 2 months and most likely will be for the next 58 months - at least!! Everyone is great and I love reading your posts:)

Fabulous news!! only at the beginning of my journey - 2 months in, but I'm addicted to this forum which is full of lovely people, and I certainly don't feel alone now! It's like there is this whole new community out there!! :)

Thank you all for your responses. I've only made one payment but as I obviously have no form of credit now, I am being ultra careful with spending and do hope to try and put by any extra earnings for anything expected/unexpected that crops up and don't want to end up victim of my own carefulness and...

I have just started my IVA - have made my first payment and all is good. I work part-time and often have to work extra days to cover others. I understand how it all works re if i earn extra etc and what I need to pay extra, but if i manage to save what I am entitled to keep (first 10% of net etc)and...