I really feel for you! It's not a easy job to teach your children about a lot of things - let alone something as abstract as dept! I think you are being really fair and just know that in the long run you are teaching her something that will help her for the rest of her life! Don't feel guilty at all...

Children are VERY expensive.. I recently read this article the Guardian that estimates that raising a child to the to the age of 18 will cost you up to nearly £150,000! The article talks about the cost of raising a happy child to the age of 21 now stands at up to £218,024 with education being the hi...

Having been in an IVA for years now I have finally declared bankruptcy and find myself in a depression down fall. My family have recently sent me to **Link removed as per other identical post** as they were worried about me. After a few weeks of therapy, I am feeling so much more positive about my l...

When I first got into money trouble I didn't worry too much. Eventually it all caught up with me.. I was in an IVA but thought I could never see the light at the end of the tunnel. I went through depression, in which my family sent me to xxx sorry no links allowed ADMIN because they were so worried ...

A couple of years ago a friend of mine started her IVA with What IVA, she managed to pay off the whole thing with no hassle! she said that they were really friendly, understanding if she missed a payment or something similar, check them out: SORRY NO LINKS ALLOWED ADMIN

hope this helps!!

My advice? DON'T GET SKY

Congrats! Always refreshing to hear

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Charlotte.z Awww, thank you so much - it would be a great help. Having taken all this time to pay off my debts (which I'm proud of, even though it was tough) I'd like to clear-up my records too. You ha...

Congratulations!! Once that certificate is through no more worries

Wonderful news Congrats! I remember the days I received my completion letter- what a beautiful feeling of relief/accomplishment and new beginnings

Hope all goes ok PeyWetWork!

Hmm.. What do you think would be the best bank instead of HSBC? I've had no troubles (as of yet)?

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by Isis Black anyway we have found we were better off when our fixed rate finished :-) payments are lower so touch wood were ok till rates go up, then we shall see how things go good on you :) always nice...

My 'mod' friends gathered food & blankets for our local RSPCA. They managed to supply enough food to feed the dogs for 6 months!! They even did a video: http://youtu.be/SceEEbRJ5_s which doens't have many dogs on it but was very proud of them

We didn't insure my cat one year and he ad to have his leg amputated. £1300 and he was back hopping around wit the family. Wouldn't have changed him for the world (but animals are always insured from now on)