www.iva.co.uk

Wanted to pop back on with a quick update. IVA approved earlier this week[:D][:D]. I joined forum a couple of months ago when I reached a real low point and thanks to all advice picked up here the whole IVA process has been straight forward, mostly because I had a pretty good idea what to expect.

Had a bit of a wobble when I read about the Cashminder accounts, as have been using a couple of these for my banking but think it should be fine.[?]

It was all a bit surreal when I got the phone call, couldn't work out whether to celebrate or feel depressed at becoming a debt statistic. I decided to celebrate the fact that I had finally taken my head out of the sand and sorted the big mess out.

Wish you all luck and thanks for getting me through the past couple of months. Hopefully I did my profile right and my countdown will start soon [8D][8D], .

You should be OK with the Cashminder -- it's the other CoOp accounts they are fiddling with.

Glad the forum has been of help to you.

Do keep posting and we can share in your journey to debt freedom.

Good luck on you iva journey , onwards and upwards

Stay in touch on the forum...we will support you throughout your journey!

Good luck on your journey from us also. Keep in touch

Thank you all for your kind words. Have picked up some good tips on here which has really helped me sort my finances out.

Its not always easy but once you cut down on all the waste and if you stop and think about what you need vs what you want it can make a big difference. You appreciate things more and its important to budget and plan ahead.

Our TV has been on the blink for weeks and the colour is now completely purple and green. In the past I would have just gone out and replaced it on the never never, but like my daughter said 'you don't notice it after a while'. So we'll get one when I've managed to put enough aside and will bargain hunt when the time comes. Just hope it doesn't take too long as the footie season approaches [;)].

Thanks for advice about the Cashminder account Foggy, I'll keep an eye on it - the thought of switching all those direct debits again makes me shiver [:0]

Keep an eye on local facebook sale pages for TV's many a bargain to be had if you don't want an all singing all dancing model to last out the IVA