Thanks for all your kind thought about Mum. I'm hoping she doesn't need another op. Lack of finances make it more stressful, I would pop up more often whilst she's in hospital but it's such a long way and so expensive [:(]
"It is never too late to be what you might have been"
Fiona
doing an IVA you will never save, becuase the basic principle is that all you money goes on essentials etc, and the rest in to the iva, this is the correct way, but use a bit of common sense their is ways round it
I do manage to save money. I had a terramundi jar bought for me last Christmas and at the end of the week all my silver goes in there. It may not be much sometimes but it's mounting up. I shall smash it on Christmas Day and count up the money. I expect to have a couple of hundred pounds in there which I will enjoy spending!!!!
My order is already in for a new jar this year.
I don't get bonuses or overtime but I have managed to save.
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've got a tin that you can only open with a tin opener and I'm putting my £2 coins in it. I don't get many but I'm hoping that by the time we go to Florida there might be quite a bit in there!
need to smile today? go on check out my blogs - I'll add to them regularly
Our IVA's over YIPPEE unbelievable!Seems like yesterday it was approved despite everything
I bought mine on Ebay but they sell them in Poundland. I've also got one for pound coins and try and put one in every time I have a few in my purse - doesn't happen often! I like the idea that I can't just borrow from it!
The terramundi jar costs about £20 (mine was a gift) and you can save up to £400 in it depending upon what coins you put in there.
I also save 5p, 2p and 1p coins in normal money bags then when I have about £20 I go to Coinstar and cash it in. I know I have to pay to do it but it works for me and gives me a bit of extra spending money.
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 couldn't use the terramundi jar as I wouldn't like to smash it as some are so pretty! It's not so bad if it's a gift but I don't think I could justify paying £20 on something to be smashed!
I didn't pay it and I have a replacement ordered for this Christmas so I don't mind1
Besides - I want to get at the money!!
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's quite a boring black and white stripe with a slit in there to put the money in. I like the fact that I can now see coins rather than a black hole!!
It won't be full by any means but I shall sit at the dining room table Christmas Day afternoon and be like Scrooge and sit and count my pennies!!
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
Skippy .. get yourself some old newspaper and some PVA glue. Blow up a balloon and paste strips of newspaper all over it, leaving a little gap for a slit. When it's dry, give it a coat of emulsion. Pop the balloon through the slip --- and Hey Presto !! One Terramundi-type jar!
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
