We felt the same when waiting for our meeting date ! The initial load off your shoulders by taking the step to enter was great, but we did have a fair few sleepless nights after this more with nerves as the day approaches, but everyone on here was/still is great, as was our IVA co.
We've got the butterflies at the moment as we have a F&F offer being put forward end of this month, so keeping ourselves focussed on that at the moment.
The budgeting skills will get better! We are still even now (just started year 3) keeping such a keen eye on every penny, but being in the black and shopping frugally and seeing how your money is being spent has been a good help with this
You may have trying times, but I remember writing a few pages of how we felt about the debt and our situation etc at the beginning to remind us of why we entered the IVA and whenever we've wobbled, we've given it a read. That's a wake up call!
The forum is here and is a great support, so lots of people here if you ever need to vent !
Started IVA 27th Feb 2012 - Due to complete 27th Jan 2018 !!
Full & Final submitted and accepted 30th March 2015, paid 10th April 2015 - 3 yrs 1 month into IVA
Completion Certificate received- 30th April 2015!!