I miss mine and I'll admit it, I have moments of *wanting* so I'm so glad I don't have one, the thing I miss the most is catalogues as I absolutely detest shopping for clothes but could happily do it from a book!
I'm glad they're gone don't get me wrong but at times it's like stopping smoking to me I just want one!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I am so glad I don't have one now as I know what I would be like!
Won't be getting one once the IVA finishes either!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I don't really miss mine - but then im only in the early stages of setting up my IVA. I never used mine for holidays or luxuries as such, I was using mine to pay for food, petrol, to pay my catalogues[:0] and even more shockingly a few months back had to put £400 rent on one!, so for me, not having them there now is actually a weird feeling, I used to feel so guilty when I used them, but its scary not having a 'safety net' there, when we ran out of real cash in the month, we had 'the cards'...so now my fear is running out of money and not having something to fall back on. However, I never budgeted before, having a budget for food is honestly great, stops me impulsivly buying all the offers as well!
Mine were used for everything from cars to holidays and also withdrawing cash and then paying it across as the minimum payment to the cards.
How bad is that!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Ahhh, the old withdrawing cash technique Jan! Totally hear you though - I recall leaving my road tax until the last minute and rushing down the Post Office, only to be abruptly told 'I can't take that, its a credit card!' I felt like a right looser! So, I promptly dashed to the cash machine drew out the cash and brought my road tax!
Used to leave home early for work on a late shift, nip to the bank, take the money out and straight into the bank to pay my credit card bill.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
A young girl who works with me was jumoing for joy today as her new credit card has a £7k limit! I told her to cancel it as she's struggling financially anyway. Needless to say she won't.
I would have been the same, and gone out and spent on it as well. You can't tell some people.
Hindsight is a wonderful thing.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
It is awful looking back. I remember after moving, and the house needing way more than I'd thought, going to a cashpoint and getting money out for builders and some to pay in to bank account as I was constantly robbing Peter to pay Paul. I knew I had to do something before I couldnt juggle anymore. I do worry about something breaking and not having a safety net. I had to laugh when I read your post Jan as I've done that a few times. Thank goodness we don't have to now!!
IVA started Sept 09. Glad to be on the way to being debt free
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I have done many of the things above, and when I received an increase in the credit limit on one of my 13 (I think) cards I would just go out and book a holiday (including going to the 2004 Olympic Games), buy some more CDs, have a nice meal out...
Then it got to the stage where I was paying the cards which were due just after payday and then drawing money out to pay the next ones, rolling it on and building up the debt while still spending as above.
Finally, just before Christmas 2004 my cashcard was held by the cash machine and I realised that there was a problem.
My IVA started in June 2005 and I am now waiting for my Certificate of Completion.
The £870 extra each month means that I will not need to borrow in future.
Been there too Kallis, borrowing off one to pay another etc, very easily done. Now entering my 4th year, 1st payment of that going out on the 1st aug so not had a credit card for over 3 years and to be honest i don't miss them. when i think back to how i was then to how i am now it has been a massive change, i now look for bargains, go to the whoopsie counter in Tesco, save stamps each week for xmas and have asked that my vouchers from tesco be saved and sent out once a year to me, got nearly £80 for xmas. It's amazing how creative you can be, the truth of it all is that i never want to go back to how i was and hopefully never shall.
Om shanti, namesté, good luck to all who are embarking on the IVA journey, it isn't always an easy one but the outcome is the best.
IVA COMPLETED August 2012, received Completion certificate 18.4.13.
In 2005 we paid for a holiday in Sri Lanka, had our American friends across for three weeks during which time we spent a week in Ireland and one in Scotland and a weekend in London. Then we went to New York for a week just before Christmas - all on the plastic and loans.
I think the stupidist thing we did was buy a people carrier as the car we had wouldn't have taken us and our friends. Once they had gone it was far too big so we had to sell it and get a smaller one! We had four cars in one year!
Current car is just coming up to 5 years old and will be with us for a while longer yet!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Cars and holidays were our downfall too Jan, I've had my car almost 7 years now and it's staying, I use the not getting a new car until we move line on my friends as they've all had a couple since I've been in IVA.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
