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Posted: Thu Sep 11, 2008 8:06 am
by luluj
Well one year on from our IVA we have come through some turbulent months, but we have done it and boy am I proud! Last year when it was my birthday, I think I sat and cried all day, didn't put up my cards or went out!
This year, I have paid over £17000 back to creditors via IVA, and have money in the bank (albeit £90 until 15th!) - I am looking forward to taking my nieces out for the day on Saturday to Gullivers Land and having some fun!
For those just entering into IVA land - it is hard, but it does get easier because you get used to monitoring your money - when it has gone it really has gone.....and thank goodness as you have no fall back so can't get back into old habits! I am so glad we took the plunge last year and 4 years time I will be debt free with my head held high !
Posted: Thu Sep 11, 2008 8:16 am
by Wizzard
On your birthday I wish you much pleasure and joy;
I hope all of your wishes come true.
May each hour and minute be filled with delight,
And your birthday be perfect for you!
Happy Birthday Lulu
Posted: Thu Sep 11, 2008 9:05 am
by Viki.W
Happy birthday Luluj, have a fab time. X
Posted: Thu Sep 11, 2008 9:10 am
by luluj
Thank you both - I will enjoy - even other half has taken the day off today! Might even treat ourselves to lunch out!
Posted: Thu Sep 11, 2008 9:11 am
by moretolife
happy day luluj....a nice upbeat post to start the day off...thanks
Posted: Thu Sep 11, 2008 9:34 am
by Lisa2009
Have a great birthday. My little ones love Gullivers World
xxxxx
Posted: Thu Sep 11, 2008 9:40 am
by Skippy
Happy birthday!
Posted: Thu Sep 11, 2008 10:45 am
by kal
Happy Birthday,
Hope you have a fantastic day.
k.
Posted: Thu Sep 11, 2008 11:30 am
by kallis3
Have a great birthday Lulu!
Posted: Thu Sep 11, 2008 11:38 am
by stressed_suzanne
Happy Birthday!
Posted: Thu Sep 11, 2008 2:05 pm
by debtmountain
Happy Birthday Lulu, Have a Great day and hope you enjoy your Day out on Saturday as well. Also, well done on getting through your first year [:D]
Posted: Mon Sep 15, 2008 8:02 am
by luluj
Had a fantastic day out on Saturday with my nieces at the Gullivers - great weather! Took a picnic to save money, all it cost me was an ice cream!
Had a voucher for four free meals at the local Harvester on the way home,so even better ate out for the first time in a long while - all it cost was two drinks and a pudding!
Haven't seen my husband smile like he did on Saturday for months - and I then realised what a great decision it had been alittle over a year ago to go through the IVA process - our lives have come back to us and we are now holiding our own - not asking for help and not using credit!
Posted: Mon Sep 15, 2008 8:15 am
by Wizzard
Great post Lulu. Its good to have a physical and mental break every now and again. As Mrs Wizz is so fond of pointing out .... you don't need to spend a fortune to have a great day to remember.
Posted: Mon Sep 15, 2008 8:22 am
by aguise
Glad you had a great birthday lulu, a belated happy birthday from me. we have been away last week and then to slough for frugal friends on saturday, just got to sit down and see whats been happening.
Ang x
Posted: Mon Sep 15, 2008 8:35 am
by Viki.W
Luluj, did you go on the pirate ship? Who invented that? It was horrible!!!!![xx(] X