www.iva.co.uk

Thought I'd be different!!

Hope each and every one of you, past, present and those hovering in the background, have a wonderful Christmas and that 2012 brings you everything you want.

Here's hoping the forum goes from strength to strength as well

and to you Jan, have a good one xxx

And you Jan - hope you are feeling better now? Thanks for all the help and guidance you have given me through the year.

Merry Christmas (I can't bring myself to say the S G words!) to you and yours Jan x

I'm just doing my bit for diversity!!

kazza - I was rough this morning but not too bad now thank you.

[:D] Jan

Happy Xmas to all and Happy New Year.

Have a good one everyone x

Have a wonderful Christmas Jan , and I agree with your setiments regarding the forum, so many people are going to need it and you next year.

To you too kallis.

And to all forumistas, have a great festive season.

May I also echo christmas wishes to those that are celebrating at this time of year, and may 2012 be another step in the right direction towards a debt free future. To those about to start or are considering starting the journey, make it your new year resolution to do something positive. Don't be like me and bury your head in the sand for so long until it consumes your life, health and relationships. A special christmas thank you to everyone on the forum who has supported me so far and finally to Mel and her incredible team for getting me this far. Take care all.

What a lovely post Rod! Hope you have a good one as well.

All the very best everyone
Oscar
x

Merry Christmas everyone. If only Santa could bring Mel, Jan, Andy, Tina, Michael, Karol and many others to people and families who are struggling with debt. Anyone feeling the strain right now, enjoy today and start asking questions on here over the next few weeks. By next Christmas you will be a different person. Peace! x

Good post Dan. I know I am in a better place today than I was last year!