I was a catalogue fan too prior to my IVA as I'm a lazy shopper and don't like to go out to do it. Makes me go out now shopping but obviously on a budget and mostly when I'm in Manchester seeing my family.
x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I do love shopping and still miss it which is why I enjoy my yearly day out in Birmingham Christmas shopping with my daughter.
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'm looking forward to Easter. It will be the first one where we have not still been paying for Christmas!
We have been picking up stuff for the kids throughout the year but we still have some things left to get. What is Christmas without a few new colouring books and pens?
We put some petrol in last night and now we have the grand total of 2.50 left until we get paid on Wednesday! Shopping for the odd thing will begin again on Thursday
I have 15 quid in Nectar points so it looks like Sainsbury's for our Christmas cake this year
We are pretty much sorted now, just have the food shopping to do and will be going out to fill the car up soon - mum and dad managed to get me a 5p off a litre voucher from Sainsburys so we'll be off out into the cold soon!
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
The main thing Imhotep is you're coping and know you'll get through Christmas without credit. As you move on in your IVA I think it becomes easier as I know I just accept it now. Hope you have a great Christmas x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
hi, kall you're right, i feel i'm looking forward to it more now,i think knowing the creditors meeting won't be for a while has taken pressure off and knowing my hubby won't be coping with secret credit card bills is a huge plus.
food shopping still to be done but we've been buying things we've seen on offer like crisps and treats,we've got a shopping list which has been shaved - so we won't waste anything.
the support from you all makes such a difference. i hope anyone reading who is struggling with debt plucks up the courage to make that call and get help.
God bless x
Nothing stays the same...everything changes..hang on in there!
Once it's out in the open it is a huge relief and we felt so much better once the arguments and recriminations were got through!
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
The IVA is a huge relief but Christmas is a hugely difficult time for me. We have a large family, have 4 god children and as friends we all bought gifts for each other.
To go to not sending gifts (even if they were just £25 each) feels terrible and although I can put up with the adults as the obvious mutterings but I really feel for the children and at family/friends events I really feel excluded.
We used to spend shedloads on the kids, each other and parents. Now my Christmas presents are funded by vouchers earned by doing online surveys and they have been told that we an afford little.
Coupled with four family birthdays in December, it makes it a very expensive time of year.
We just tell them that money is tight but not the reason why.
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
Hi Mole - I totally understand. I have a lot of people to buy for and there's a lot of pressure in my family to be extravagant. The best things in life may be free but they don't count for much on Christmas morning in our house!!
Totally feel where you're all coming from! This is my 1st post IVA Xmas, and I've amazed myself by not going mad on presents even though I've got a bit more spare cash. Seems lessons learned on budgeting for 5 years are hard to break
Hope you all have a wonderful Christmas with your loved ones and a very happy new year
It took us a good year or more to really get control of our budget but once you get used to it it's actually quite empowering! We too have bought all the pressies and food in cash and are looking forward to the festive season! Seeing other people out in the shops swiping the plastic makes me feel almost superior!
IVA Accepted - Sep 2009
F&F Accepted - Oct 2014
CC Received - Jul 2015
we did our food shop with cash last night,so grateful to pay with cash and know the cc's are not growing. i've told family we won't be doing birthdays,cards only from Jan 2011,my sister wasn't happy but needs must,my hubbys wage has dropped again this month by about £40, it is hard but we can't afford it.
Nothing stays the same...everything changes..hang on in there!
We have just done the food shop and paid cash. Our presents now are very frugal and mostly funded by surveys.
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
