People deal with and react to the stresses in different ways, but I am guessing lack of sleep is a common one most of us have suffered.
Once the IVA is up and running, apart from a few wobbles we all get, things will get easier, as long as you make sure that your allowances (and therefore payments) are comfortable right from the start. If you are lucky enough to be able to have money left in your account at the end of the month ...SAVE IT

Having a little emergency cushion there certainly calms the nerves.
When I can't sleep (rare these days -- I could sleep 24 hours a day ... have done a few times ... but that's another story), I imagine I have won the lottery, work out the interest, and spend it in my mind. I am always asleep before I spend too much !!!!!!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014