So far I've managed to get to the end of the month with a little bit left in the bank. I'm being very careful in these early months and trying not to eat into my contigency money. It was a great feeling paying for my last MOT and new brake pads out of my own money and not sticking it on another cred...

I asked the question right at the outset about whether I could include my student loan and was told it wasn't allowed! I now understand that they didn't include it because it would have meant my IVA proposal wouldn't have been accepted. I wish they had just explained that to me though at the outset ...

Well I checked my bank first thing this morning and my first IVA payment has gone. It's a weird feeling knowing that I've finally got everythng under control (I hope). I'm also looking forward to living witin a budget - have I gone nuts!?? lol With that in mind if anyone has any budgeting tips feel ...

Best of luck, fingers crossed for you. x

congratulations! x

I've just checked and I am on there, no need to look again now until my IVA is over. However given how things are these days with identity fraud I'm not sure I like the idea of my full name,DOB and address being in the public domain. On the other hand no-one pretending to me would be able to get cre...

Brilliant - congratulations. x

best of luck x

After robbing peter to pay paul for a number of months I realised that I just couldn't sustain it any longer. I'm so pleased that i found this forum as it made me realise that I wasn't the only one in this situation. All in all my IVA application went very smoothly but it was always good to know tha...

MBNA were one of the two creditors to vote no at my meeting but luckily they were one of my smaller ones so in the long run it didn't matter. Fingers crossed for you that they see sense and accept your proposal. At least they will get something back!

I wasn't asked to stop paying into my works pension which I'm really pleased about as I haven't really done anything towards a pension over the last few years.

I insure my car through the RAC and I get a deal on their breakdown cover. Just as well as I had to use it twice last year. Breaking down in roadworks on the M25 is no fun i can tell you! lol. Mine is up for renewel next march hopefully will have enough put away by then.

that's excellent, good for you. I have just found out that I have been accepted on an MA course which fortunately my company will pay for completely. The best bit is it will take 5 years to do - part time - so I will have plenty of reading and essay writing to keep me occupied over the term of my IV...

Good luck for the 25th. My meeting was on a Friday so I think it is a great day!

x

Welcome to the forum. This is a brilliant forum and you will find everyone is very friendly and helpful. Good luck.