Posted: Sun Apr 03, 2011 1:21 am
Hi all,
1st month in our IVA! For the first time ever when we got paid this month there was money in our account that we did not owe anybody?! It is a great feeling, there is food in the fridge and I have new clothes for work (ebay). I feel like we are finally getting back our lives. Budgeting is difficult but have followed tips on here and keeping a spreadsheet so we know where the cash is coming and going and as all of our Direct debits are on the 1st, the money left now is ours. We are not rich by any means but have some financial freedom.
I just wanted to let anyone waiting or starting to be brave, if an IVA is right for you, you will enjoy worry free nights. We are feeling so positive now and it has brought us closer as a couple. I am not proud of us for getting into this situation but so proud that we dealt with it head on. I love my fiance so much and in 5 years we will be debt free and finally able to get married.
A few weeks in it has finally sunk in.
Thank you all for your help and I intend to give people the same support that I was given - if you have any questions about the application process please ask, I will help where I can.
Love frenchie x
1st month in our IVA! For the first time ever when we got paid this month there was money in our account that we did not owe anybody?! It is a great feeling, there is food in the fridge and I have new clothes for work (ebay). I feel like we are finally getting back our lives. Budgeting is difficult but have followed tips on here and keeping a spreadsheet so we know where the cash is coming and going and as all of our Direct debits are on the 1st, the money left now is ours. We are not rich by any means but have some financial freedom.
I just wanted to let anyone waiting or starting to be brave, if an IVA is right for you, you will enjoy worry free nights. We are feeling so positive now and it has brought us closer as a couple. I am not proud of us for getting into this situation but so proud that we dealt with it head on. I love my fiance so much and in 5 years we will be debt free and finally able to get married.
A few weeks in it has finally sunk in.
Thank you all for your help and I intend to give people the same support that I was given - if you have any questions about the application process please ask, I will help where I can.
Love frenchie x