Slipping back ....

[luluj]

Ok ... Three years gone since last IVA payment ..... This month overdraft used for first time and credit card of hubby's used ..... Reasons for use ...simply a little over indulgence when away for a weekend, followed by a DIY project.
Can feel myself all knotted up .... Have sat down worked out how much in total and a plan fot Friday this week when hubby gets paid ! Want to clear the lot but physically impossible until I get paid at the end of November .... Need to go without this month so opportunity to clear the freezer and cupboards ...odd meals here we come !
Bought back so many memories of our IVA days ..... I don't like it and am certainly not doing it again !

[kazzafunk]

I know how you feel hun. We have struggled for the last 2 months and that sick feeling in the pit of my stomach has stopped me reaching for the Vanquis card.

Maybe this shows we are more vigilant now and more prone to deal with this rather than stick our heads in the sand.

[Foggy]

Since the "end" of my IVA -- well, payments, I have been able to make some small savings (partly due to lower utility bills, being one adult less)--- still living as though in the IVA proper --- and cannot bring myself to spend any of the savings !!!

[luluj]

We have savings that I can't access ... So have to manage ...we are only talking about 500 .... But £500 is enough to scare me rigid these days !

[welshwiz]

Hi luluj

I am convinced that life after IVA will be debt free, we received a pre approved application form for Vanquis card yesterday and put it straight in the bin, how they can offer this when we have an IVA with 42 months to go I don't know, what I am sure about is what we can not afford we will not have!Good luck with gettig back on track

[Hair_bobbles]

Hi luluj,, I'm doing that- putting money into savings that we can't get to !! I've decided not to leave a safety net in the bank- my reasoning is that it'll get spent!

£500 is manageable & after some "frugal" savings over the next few weeks,, you'll soon be back to where you were!

[luluj]

Ebay selling on track ....£128 for clothes that are too big due to 3.5 stone weight loss !

[Hair_bobbles]

JEALOUS!! I need to shift some weight,,,but need to get my dieting mojo on !

Good old ebay!!

[luluj]

Twelve months of being focused and attending weight watchers .... No going back ! Still want to loose another 4stone before i am happy!

[Hair_bobbles]

I've done ww on & off for 19 years!! It does work but I find i need to exercise to maintain as soon as I stop exercising & eating things I shouldn't it starts to pile back on - I rejoined last week,,nothing fits!! Have 2stone to lose to get to my "comfy weight" ( i'm hoping to lose a stone before " frugal friends" gathering or I'll be turning up in a pair of jogging bottoms!!! I like my dresses! & I want to squeeze into a couple for the weekend away!! - I booked Friday night aswell - luxury!!

[luluj]

You can do it .... It is so close to Windsor .l.you must go and visit.