I've recieved a bill of over £300 from n power, when I rang about this bill originally they said it had been paid - now they are saying it hasn't - have been in IVA since August - how do I pay it?!!

Ah bless! You'll soon be back on form! (32 is the prime of life - honest!) Hilbilly? Cheers pal (not a Chorley born and bred!) Come from somewhere much more exciting really! Fast cars and fast women are overated - what you need is a moped and a women who enjoys a stroll in the a park followed by hal...

Chorley - Not as exciting as the big smoke, so less distractions to spend money on, although The Trafford Centre is dangerously close! Not got xbox but do find the wii a good diversion, especially battering people on boxing to take out my frustration at not being able to buy things!

An ex marine eh? bet you love 'Dancing on Ice' get it on and pour youself a vodka and lime!

Hiya, I'm already 32 and only six months in! so am definately skint and boring! Think of this as character building, we'll be so rich and interesting by the time it's done! (hmmm think I may be trying to convince myself not you) Wonder what's on TV tonight, I'm not far from Manchester and it's too b...

oooh! We are pretty bad then - amazing what a 'little' stupid spending and a head in the sand attitude can achieve!

Hi - Was just wondering what the avergage amount was that people owed when accepted for IVA? - Obviously this may be too personal to answer but was interested cos' I reckon we're pretty bad- Myself and my husband are on a joint IVA and owed £103,000 - How terrible is that?!!

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Just realised my childcare will increase over summer - Us at work! Kids not at school! Should I already considered this in my figures at the start? Cos' i didn't - ooops! Any advice?

Made £50 selling old dvds on Amazon - just got to afford postage now!!!

I like you lot! Feel better already, good to know not alone - my petrol light is very angry...but you're right about the credit cards and I can at least answer the phone without fear - Happy New Year!

Can't ask for help as People don't know! Husband on very good wage people just don't know half of it goes on IVA!stupid pride I know - Thanks for the advice re-kids but they are only 4&1, something to consider for the future though!

Thanks for the kind words and support, think it's just tough to see everyone around you spending merrily, even though we got ourselves in this position - i still feel resentful and having two young children to entertain in this weather with zero pence is a challenge - good to know we're not alone.

Hiya, New to the forum - just looking for a bit of support, found Christmas tough, been in IVA since August and this month we are literally down to our last £35 to last ten days - just not sure how we'll do it! Just feeling very down about it all at the moment, five years seems a hell of a long time...