I am just wondering does anyone else feel

[elizabethr]

I felt quite awkward about explaining to people why I couldn't always do things but now I am "open and honest". I feel I have taken a responsible step to sorting out our finances and feel quite enriched by what I have now done. I am about 9 months into my IVA and it really is the best thing I have done. I can't thank people on this forum enough and of course my practitioner Melanie Giles. There are a few things I have had to miss out on but when I tell people why I can't do things some of them pay for me so I don't miss out all the time. I have been quite stressed and despondent since Christmas as my husband is really ill again (will post later)and is now off work. It is my elder daughter's 21st next week and she is not coming home as she is at university - I was very disappointed and sad as I couldn't find a way of seeing her and I love her to bits but a friend is paying for me to stay in a hotel so I can see her. There will be times when you think you just can't carry on but think of what you have achieved so far. I felt wonderful after Christmas knowing that for the first time ever I didn't have to wait for the credit card statement coming through the door. I am now embarrassed to tell anyone the steps I have taken in fact most people have wanted to know more about it.

[welshbird77]

Thanks for all your replies, it has made me feel really good and not so stressed as i know i can look forward to really enjoying myself at the weddings knowing I have worked hard to save and no need to wait for the store card bill for that new outfit! Think it will be a while before i tell my friends, let myself get really good at budgeting first. but i do know that when my 5 years has finished there will be one big party and a holiday to look forward to and no credit card in sight!!!!! Thanks everyone

[kallis3]

Good luck for the future. Let us know how you are getting on.