Congratulations, Hubby and I have been in our joint IVA for 1 year best thing we ever did.

Nik

Well done for making the first call, Hubby and I have been in our IVA for 1 year now and it was the best decision we made for us to move forward. Times have been hard over the last year but being careful what you spend is a good thing, its quite fun finding new money saving tips. This Christmas will...

I really am happy hope you feel more upbeat soon, yes it really is good to be at the end of our first year. NikX hello happy...love the name...cheered me up a lot as i am feeling miserable anyway.... you are so welcome here and isnt it a good feeling to be 12 mths into your IVA...we are 25 mths in n...

Hi all thanks for all the positive feed back, I have had a great day today ready them all. For me and my husband starting our IVA was the best thing we ever did, the thought of having a credit card now makes me feel sick, today is actually the first anniversary of our IVA, what a great feeling, for ...

Hi Kallis3

Thank you for your prompt reply i think its great to talk.

Nicky x

Hi just like to talk to anyone who nows what its like to be in a IVA, hubby and I have been in our for 12 months,things going ok but its always nice to talk apart from my mum we hav'nt told any body else, but what a weight lifted of my shoulders.

Happy[:)]