Posted: Wed Oct 26, 2011 9:39 am
I know that's not great english but I think so often being in an IVA can be seen as a horrible slog and there is no doubt it is not an easy path. However so far I'm enjoying the learning I am doing along the journey.
My 5 months have been FAR from smooth I think I've had an 'emergency' in every month so far, car broke, laptop broke (which I need as I'm a freelancer), mum got really sick & I had to travel a long way to be with her, I could go on. However I haven't used/needed a credit card at any point, I've found a way. Ok not with the laptop, mum helped with that, but all the other emergencies I've found a way.
Also we need a new TV/multimedia type stand, and of course can't just go and buy one, not only that but I like a particular style of stuff, I'm not going to compromise just cos I don't have the money, I just need to search longer and harder. Anyway I got exactly what I want on ebay for £15 and picked it up last night, it's a very collectable type of furniture BUT it finished at a silly time and buyer wanted collection within 24 hrs, so I got a bargain.
My point is when I wasn't budgeting and thinking about money I would have bought the first one I saw that I liked, now I'll wait and wait knowing that my time will come and I'll get what I want at a knockdown price. Blimey I wish I'd known this years ago!
Anyway just wanted to post about the positive sides of learning to budget right, you can get some of the same things - ok not big budget stuff like holidays - for much better prices if you're patient and search. I'm personally loving it!
My 5 months have been FAR from smooth I think I've had an 'emergency' in every month so far, car broke, laptop broke (which I need as I'm a freelancer), mum got really sick & I had to travel a long way to be with her, I could go on. However I haven't used/needed a credit card at any point, I've found a way. Ok not with the laptop, mum helped with that, but all the other emergencies I've found a way.
Also we need a new TV/multimedia type stand, and of course can't just go and buy one, not only that but I like a particular style of stuff, I'm not going to compromise just cos I don't have the money, I just need to search longer and harder. Anyway I got exactly what I want on ebay for £15 and picked it up last night, it's a very collectable type of furniture BUT it finished at a silly time and buyer wanted collection within 24 hrs, so I got a bargain.
My point is when I wasn't budgeting and thinking about money I would have bought the first one I saw that I liked, now I'll wait and wait knowing that my time will come and I'll get what I want at a knockdown price. Blimey I wish I'd known this years ago!
Anyway just wanted to post about the positive sides of learning to budget right, you can get some of the same things - ok not big budget stuff like holidays - for much better prices if you're patient and search. I'm personally loving it!