It's been ok to be honest, I mustn't complain. Money is still tight every month but if I stick to my budget it works out ok. When I get fed up about it I just remember what it was like before the IVA, bad times.

haha, No Debt Free Direct. They were good at getting me set up so I don't want to put them down but their after care is a bit rubbish.

Why thank you very much
19 months to go and counting.
You have to do everything in writting with my IVA company so it takes ages to get any decisions made and a lot of the times they don't even reply.

Oh god I don't want to have to pay anymore payments. It feels like I've paid out thousands already and I've still got ages to go.

I am currently 3 years into my IVA and have never missed a payment. My rent is quite cheap at 550 a month for a house which I pay half of but my other half is soon to move up country with work for a while and will not be able to pay the other half of the rent. I really want to take on the other half...