www.iva.co.uk

Time is ticking on. I think we will survive until end of July but after that we are going to start to become a bit stuck. My daughters nursery will need paying for the first month on 1st August and I will not be left with very much and I don't think we will be able to pay our IVA payment, will be very short anyway. I so hope something is sorted out soon. On the up side I am really looking forward to my daughter starting at the nursery, although she won't be looked after by parents for that one day and it means I don't really earn very much I think she will really benefit from time with other children. All this waiting is driving me insane. I hope we hear what is going to happen with the f&f soon.

I hope you get something sorted soon. I would think you'd hear something before the end of July though. Give it a couple of weeks and then contact your IP to see if there is any news.

You sound like you are in limbo like us.

We find out at the beginning of July if hubby and I are still employed, and I am expecting rugrat number two at the end of July.

We are £150 a month down on where we need to be to maintain our IVA payments (this was worked out by GT 2 weeks ago), and we are struggling big time.

We have made a proposal for a f & f, but the paperwork has not even been drawn up yet, i was promised it last week, but still nothing.

I hope you get closure soon, and I am sure your child will love nursery - my daughter does!!

x

Yes we are in a similar position, how the hell are you managing? There is no way we are going to survive, car tax due beginning of august too. We don't even know if our proposal will go ahead yet so you are ahead of us. When are you due?

I may well be in the same position in December when hubby changes from Incapacity Benefit to State Pension, we've got to see what we can do.

Really Jan, I hope you can sort something out. It is so hard for everyone right now isn't it. Will it be a lot less?

We are not managing in all honesty, trying to sell everything we can to keep afloat. This month it is a old outboard engine that does not work. Someone is coming to pick it up tonight for £100.00. We would have liked to have kept it and got it working (the sort of thing my hubby does in his "spare" time), and got £500 for it, but we cannot afford to put fuel in the car unless we get cash from somewhere. Midwife has just advised me to go and buy some peppermint oil for the heartburn and indigestion as the tuff the docs gave me is not working, but I cannot even afford to go and pick any up til Monday (when a cheque clears in our account!)

It is madness!

Our car tax was due end of May, I had put some money aside every month for it, but still had to find £45.00 for the difference! Argh!

I am due 23rd July, had a scan last monday as they originally thought baby was "small", however the tummy measurements are off the scale and the estimated weight at present is 6lb 6oz .... hmmmm, not looking forward to this birth at all!!!!

Thankfully, I am a great believer in that if you don't smile you will cry - so I just laugh at everything, and hope people don't think I am ridiculously insane!

Oh Jan, that is awful.

How will you manage?

We'll be down about £200 a month so have to do some negotiating. We have a few months though.

mumsmushroom and wantmylifeback, your problems are so much worse than mine!

mumsmushroom, that sounds like a nice size baby. My daughter was 5lb 5oz when she was born and she's now a hulking 23 year old who is bigger than me!

Hope the birth goes ok - I had to have a caesarian due to pre-eclampsia so never been through a natural birth.

Can't wait until you tell us everything went ok!

In the meantime, even though it's hard, try and relax and enjoy the end of your pregnancy.

I feel for you. We have been in the same boat so many times. We also have survived by selling things since the IVA started 2 years ago. We never had the right income coming in from the start so couldn't build up a contingency. For example, our income and expenditure showed we only had enough to pay £349 but our payments were £465. We have run out of things to sell now though so now we will only have £329 a month we can't continue. We also had our child tax credit taken too. I have also been sick with depression and have now had to be re-deployed to a much lower paid job, also my parents can't look after my daughter anymore one day a week.

You really don't need this now with your baby due, that is the most important thing. Good that you are laughing, I stopped laughing about being so slimy allege time and that's how I went downhill but I am starting to laugh again now. I am like that all the time, needing things that are very important and can't afford them, it's crazy!

I too suffered with anxiety, but when I fell pregnant with this munchkin it all lifted and I cant really explain why - it has taken us three years to fall for her, and I am now told there is a risk she has downs, but do you know what? We just don't worry. She is our little one and whatever will be, will be.

My first was delivered by c-section too, also due to pre eclampsia, so no, I have not had a natural birth either, and not looking forward to this being natural at that size! Even though it is what I really want.

I can feel myself slipping into despair so many times a day, but I look around and really, it is all good. We cannot be left without a roof over our heads and we have each other, so if it is bankruptcy or F & F or whatever, then so be it.

There is more to life, and your daughter needs you.

I dont know where you live, but if you were local we would have coffee and I would look after your daughter - when I am not spending all day reading an IVA forum, instead of working! Which, I am meant to be doing now! Opps. This is so much more interesting - it is great to talk to people who know how I feel. I get fed up with people saying " oh, i am skint, i have no money" then go and book a holiday to the south of france for 3 weeks - but hey, it is okay as we are camping and not staying in a hotel!!!

I wish I was that skint!
x

MM - we live in Staffordshire, not sure of where you live?

My daughter is now 23 and I'm sure she would join us for coffee! I'd love to meet you.

These people who say they are skint have no idea what that means!

We are miles and miles away!

Sunny ole backward Norfolk is where we are!

I'd love to be there! I have an aunt who lives in Suffolk and that's about the closest I've been to there.

If you are on Facebook MM let me know and I can find you out and become a friend on there.

I am on facebook - what do you need to "know" me???

email or name? Can i post that information on here?

I am a dingus aren't i?!