www.iva.co.uk

Second payment just been made into IVA and i have 2 days work left, thats it. Be glad when this year is over. Been self employed i think being honest is the worse thing you could do. I think i will get an horse[:I]

oh it is so tough being self employed sometimes isn't it? Every day I'm thankful that I have some work at the moment, but have no idea whether it will last eeek

I have nearly given up Fi, It seems the more above board you are the worse it becomes, People on the dole and doing traders out of work also no libility insurence, i dont know why i bother.

Not good news chas - I hope work picks up soon.

Hi Jan sorry for been so down just with everythink goin on at the moment with work or lack of, the mother in law still in hospital i dont know where next months payments are goin to come from. Hopefully somethink will turn up.

I know it's so tough sometimes. The way I think about it is that if I'm honest I can always live with my decisions, even if it all doesn't work out. It does get on your nerves sometimes though eh? It's never easy running your own business and at the moment times are particularly tough!

I do hope it does turn up - hope your MIL gets better soon as well.

I'm not sure what line of business your in. I work as an estimator in the construction industry and it's a key indicator on how things are shaping up. There is a shed laod of new giant contrustion contracts about to be let form power stations to offices to the really odd and that will help get things moving in almost every sector and that means flow of money.

It's meadia driven we as country are NOT in reccesion yes it's flatish but not reeccesion (techically speaking it three quaters of negative growth)

Interest rates are at 0.5% that means some not all have more money in their pocket, unless in an IVA of course. I was caught in the last reccesion in the early 90's when interest rates were at 11% and 12% imagine that, it meant my mortgage went EPIC more than my whole wage, lost everything (and no IVA's to fall back on) just left to wolves...It's them flippin papers grrr

Hi Chas
Want to say I hope things pick up for you very soon, a tough ride. You'll come good hang in. Sincere best wishes
Oscar

I hope things pick up for you Chas. OH is self employed and I know what it's like to be worrying about having no work x

Hope work picks up for everyone struggling very soon! x

thanx all for your replies i am trying to keep positive, very difficault. I will give it three weeks to sort or i will go under and find a job somewhere like b&q just to get some money coming in.
Sponge i am a painter and decorator and also other home improvements

Hope it picks up for you very soon x

Chas, I feel for you. I know how hard you've tried to make this work. Everything crossed that business picks up.

Hi Jan im looking forward to the night at Northampton, not managed a break this year not even a weekend away first time since i met Jane. I might just let the business go and let the van get reposessed one less bill to worry about then. Cant keep living like this. To top it all just had a bill through the door for N Insurance £96.