One year on...

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flow13

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Post by flow13 » Tue Jul 24, 2012 10:21 am
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Hi all, I thought i would post. It has been nearly 12 months since we made our final iva payment, and I have to say it has been a good year.
We have been able to have a good holiday with my stepchildren to Disneyland Paris. Christmas was more relaxed as we weren't scrimping. And we are preparing to go on holiday in a few weeks with my parents.[:)]
The best thing is though, our money is all our own.
We have done a few extra things.
I needed a new car, so we have had some finance, and although we are paying a bit more interest than normal, its fine and we can afford it. I have also joined a gym - something I wouldn't have dreamed of doing in an iva.
And yesterday we had some good news. The council came to do a survey on our house, and through the home improvement scheme we are having a lot of work done. So I am super excited about that.
Hope you are all well. To those that are still in an iva, hang in there. It will be worth it once you have received your completion certificate.xx
Its now time to start living and to make some some wonderful memories!
Read my blog at http://flow13.blogs.iva.co.uk/ 'Aiming for the finish line'
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Shining

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Post by Shining » Tue Jul 24, 2012 10:36 am
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What a lovely update Flow. I'm glad your 12 months since final payment have gone well for you.

Good news about the house!
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
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Kelly O

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Post by Kelly O » Tue Jul 24, 2012 11:39 am
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Thank you for the positive post i am sure many others on this forum will find your story inspiring :-)

Enjoy the summer and your holiday x
Regards Kelly Osadare Debt Advice Manager at www.pjgrecovery.com (host to www.melaniegiles.com.)

PJG Recovery have a free online advice channel at www.debtadvicetv.com. If you are ready to ask us for specific advice or help, then get in touch at www.pjgrecovery.com/contact-us.asp . I look forward to speaking to you.
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MelanieGiles

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Post by MelanieGiles » Tue Jul 24, 2012 12:21 pm
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Glad to see something positive being posted about IVAs on this forum for a change. Thank you for sharing your experiences with us.
Regards, Melanie Giles, Insolvency Practitioner
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GilliB

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Post by GilliB » Tue Jul 24, 2012 12:40 pm
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Thanks for sharing flow13!! It helps to remind us that there's life after IVA!! So pleased to hear so many positive things are happening for you and your family - long may it continue! x
IVA journey started: 30th March 2009. Settled: 17th July 2012. Completion Certificate received: 13th March 2013. Breathe. x
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antm

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Post by antm » Tue Jul 24, 2012 4:49 pm
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Was going to add everything changes after the completion of an IVA, its an incredible feeling, being able to spend your own money on things that you need or even want.

Ive only been 2 weeks since completion but have had 3/4 months since final payment, i have a holiday booked for Nov and looking at another in March, invested in a new bike for training and commuting, and live is just that much easier. Big save for a newer car, but at the moment enjoying life a little.
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MerlinL14

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Post by MerlinL14 » Tue Jul 24, 2012 7:38 pm
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Hi again Flow13. It is really encouraging to hear you are more than coping post IVA, have some great holidays and all the best for your future.
Last Payment made 04/12/14. Completion Certificate 25/7/15. IVA company GT. No Issues
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Struzzo39

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Post by Struzzo39 » Wed Jul 25, 2012 7:34 am
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What a lovely post. Cant wait for the days to come.
Steven & Debbie
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Gina.gu

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Post by Gina.gu » Wed Jul 25, 2012 8:57 am
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What a nice post. Glad all is going well for you. Well done for managing and budgeting so well :)
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