www.iva.co.uk

58 or 70 months to go
times flying by [:)]

Before you know it, you'll be at the end!

I prefer not to think of the possible extra 12 months on mine. I'll cross that bridge when I come to it!

Time does go quick...doesn't always seem like it, but when you look back, where has this year gone [:0]

The latter part of this year has been tough for us, but if we get to 2yrs, I'll be confident of seeing the IVA through.

We shouldn't really wish our lives away [:D]

The last few years have gone so quickly. I wish time would slow down though so we could appreciate things more though.

5 years is nothing if you look back on how long many of us had been letting our debts spiral. Our debt was probably out of control 4 years ago,but I just let is slide and snowball.

Heres to the future.

I have to admit after the first few months it did go fast, and if i didnt do a f and f i think it still would of gone fast.

The only thing that gave me butterflies was the annual review.

An IVA were a monthly payment was agreed and lasted the full 5 years would take alot of stress out of it. I know the other side of the argement is that you should pay as much back to creditors as possible, but even doing it this way, would mean creditors get more money back than going bankcrupt.

Just think if everyone in a DMP or IVA went bankcrupt on monday morning the creditors would sxxx themselves

Hi... I made my first iva payment on Friday 5th Dec and while chatting to my ip he wished me luck and said get on with the rest of your life which i already decided I was going to do.... Remember - One Life - Live It.....

I think the payments should remain the same, unless you have a whopping great payrise, when obviously they would go up.

Sleeping well u sound like you have a lovely ip-I cant see my one saying that once all this finally goes thru