www.iva.co.uk

Hi all
Hope you are all well.
Today we received a letter from GT to say our annual review is here again.
Nothing has changed much other than hubby has had abit of a pay rise but this may well be written off by the rise in cost of living (we are spending a good £40 worth of petrol extra a month) we are keeping our fingers crossed.
All our paper work will be ready to go by the weekend so we will wait with baited breath, you would think it was our 1st one!!
We are now coming into our 4th and final year and can't get over how quickly time has passed and how much better we are at budgeting than before.

The light at the end of the tunnel is ever brighter now.

To those just starting out in an IVA or BR or those just in the thinking about it stage keep with it as it is worth it for peace of mind and security, it is hard, there is no dening that but it will make you a stronger and better person in the long run. I know it has for us as individuals and as a couple.

Great post barb and encouraging for those starting out. Well done you on coming thus far, hope your final year runs smoothly for you.

Can't believe you are almost in your last year barb!

Excellent post!

A lovely inspiring post to read. Well done on getting fo far. Good luck for the final stretch xx

Great post! My second review is coming up this month so I'm getting everything ready to send off too. Hoping to have it done and dusted by my anniversary as I get so nervous and don't want it dragging xx

Congrats on getting so far already!

It is lovely to read such posts, my creditors meeting is Monday and first I can't imagine being accepted but second I can't possibly imagine it ever ending is accepted it all seems so far away! But thanks to people like you, I know there is a light at the end of the dark & forbidding tunnel!

All paperwork ready to post for our 2nd review. Time has gone so quick even though we have had a few budget upsets this year.

Hopefully it will be ok!

Can't believe we're in June already!