www.iva.co.uk

Posted: **Thu Dec 22, 2011 11:42 pm**

Hi All,

I would like to send a heartfelt Christmas wish to everyone on the forum. I am stopping short of using the word "merry" because I know only too well that for many of you the stress of the IVA journey will be taking the gloss off the yuletide season, and for you I will save a special prayer for midnight mass in the hope that 2012 will be a great year and will bring you closer to freedom from debt.

Just yesterday i said to my wife that this was the Christmas we thought would never come, but here we are and, at some point, it will come for all of you who are on the journey. Sooner than you think.

This is our first Christmas since finishing our IVA and we remain as frugal as ever, but one thing we will be doing is raising a glass on Christmas day to all of you who are on the IVA journey and particularly those who are just starting out.

Stay strong, stay frugal and God bless you all this Christmas.

Firefox

Posted: **Fri Dec 23, 2011 12:47 am**

What a lovely post Firefox - it will be inspirational to those about to start or part way through their IVAs or PTDs. A very warm and peaceful Xmas then - rather than Merry!

Posted: **Fri Dec 23, 2011 12:57 am**

I hope you have a lovely Christmas Firefox, x

Posted: **Fri Dec 23, 2011 6:39 am**

Have a good Christmas Firefox.

Posted: **Fri Dec 23, 2011 7:17 am**

Thanks firefox. Have a great christmas. xx

Posted: **Fri Dec 23, 2011 8:56 am**

Have a lovely Christmas and New Year Firefox x

Posted: **Fri Dec 23, 2011 1:09 pm**

Have a good one firefox!

Posted: **Fri Dec 23, 2011 4:58 pm**

Here's wishing you a good Christmas too Firefox. May 2012 be a good year for us all x

Posted: **Fri Dec 23, 2011 5:45 pm**

A lovely post Firefox and enjoy making that Christmas toast to yourselves too for the journey you have made and conquered.

Best wishes,

Posted: **Fri Dec 23, 2011 6:53 pm**

A well-deserved Christmas Firefox! I'm looking forward to being less in debt next year than I was this year and can't wait to be debt free. Have a good one with your family and congrats on still being sensible with the purse strings xx

Posted: **Fri Dec 23, 2011 11:48 pm**

Lovely post and well done on getting through not only your IVA but also that first year, a Merry Christmas to one and all, i hope that 2012 is a good year for everyone. xxx

Posted: **Sat Dec 24, 2011 7:51 am**

Have a great christmas everyone and I wish each and every one of the forum members a Happy New Year.

Posted: **Sat Dec 24, 2011 10:47 am**

I will pray that "God bless us and be with us".

www.iva.co.uk

A Christmas wish