www.iva.co.uk

i have had some good advice on this forum so i thought i would start to tell my story
nearly 12 months ago i was dreading payday and the stress was starting to show
doctor wanted to give me anti depressive drugs but i said no and battled on
found the forum and applied for a iva
few weeks of more stress and it was agreed at the start i regretted doing this but a few months on i felt better
next thing a massive blow looks like my wife was losing her job(she is not in the iva) more worry and stress ,i was at breaking point
then a glimmer of light we could buy the business and she could keep her job
after contacting the bank loads more stress and me writing to the prime minister to get the loan agreed (he said new businesses would get the chance and the bank refused so i wrote to him )

now she has her own business and works 7 days a week for the same money as she used to get for 40 hours i go in to help her for free so she can come home early
now the next bit of stress i am going on a 3 day week
i am not sure if i am winning or losing but i am still here and fighting the world but we have a roof over our heads and a child who makes me smile
the moral is never look back and never give in some hard times ahead but i am not alone and have friends here i have never met
thanks to you all

Bobby, what a journey you've been on. I agree never give in as my IVA is anything but smooth running due to circumstance but you sound like you're acting positively on any negative that is thrown at you well done. I hope things do get a little bit easier for you very soon. x

Great to hear that you are still managing and that's quite an inspiring story.

Keep posting to give us updates on how you are getting on and I hope it gets easier for you.

keep plugging away bobby, it will be worth it.
If you have to go on a 3 day week, is there any opportunity to expand your wifes business, so you can do your other days working with her and get a wage? maybe you could go foot slogging to drum up new business in your spare time to build things up a bit. As you appear a positive person its probably worth a try. Nothing ventured, nothing gained, so to speak. I took voluntary redundancy. I am an electrician, and have gone self employed. Business is picking up, but i am having to look for the work. Last week i was parked up in an Industrial estate, did a bit of door knocking, and this week i have got a £3500 job out of it, and it didn't cost me a penny, just 30 minutes of my time.

All the best.

Regards........Howard

good news today work has just got a big order and looks like the next 6 months is secure
still no pay rise but at least i can keep up the payments on my iva
who knows what will happen in 6 months maybe i will win the lottery
thanks for all your comments

that is good news for you Bobby and I hope after the 6 months your job remains secure. x

That's the spiritBobby don't let it get you down. A positive attitude is key and I'm glad you have it.

I hope you get your lottery win. I got mine on Wednesday!! Shame it was only a tenner though......[;)]