Goosed, yeah I still can't believe it really, it's just so scary how quickly it has gone.
When we first started out, I kept thinking 5 years so long, but once you get use to the budgeting it's becomes second nature and something that I will take forward with me, it has taught me to be frugal
It's not always been easy by any means but worth it.
The best thing and hardest thing I did was to realise that we needed help, to find this site, and pick up the phone and speak to Mel's team. Never once were we made to feel bad, never judged.
Even when our iva was transferred to creditfix, the experience was streamless I was worried at first, but have had no probs
So my advice for anyone looking on this site for information, do your research , talk to the guys on here, ask their advice, read the threads and don't be afraid to pick up the phone. Being in debt lead me to have a breakdown i couldn't see anyway out, very dark time for me, how things have changed. So don't give up and good luck to anyone just starting out x
IVA started 14/10/11
CC received 31/10/16