www.iva.co.uk

Hi All,

In under two hours it will be 2012, and I would like to wish you all the very best of luck, success and happiness for the coming year.

I would also like to share with you something which happened today that might just help to inspire some of you to keep going and persevere on your IVA journeys.

As many of you will know we finished our IVA back in June , and whilst we had finally conquered our debts, there was a secondary debt lurking away in the background, one which we all have to manage on a month by month basis....... Utilities. Gas, electricity & water. In our final year we had to budget like crazy and balances had built up, nothing crazy but they needed to be paid. Well the long and the short of it is that this morning I made the final payments and the balances are now zero.... Its a strange feeling that we will head into 2012 without so much as a gas bill left to pay.

Why do I share this with you? Well the fact is that when we entered our IVA we had unsecured debts of over £100,000 and we thought that there was no way out, and yet here we are, thanks to alot of hard work and the help and support of the fantastic team at DFD.

It can be done.

Best wishes to you all..

Firefox

Inspiring post there Firefox, good luck for 2012

Happy New Year to you Firefox - gives hope for us all just starting out on the journey (although I can't believe we've already made 6 payments!).

I am so much happier now - even though it's not easy at times, my depression has got a bit better and I no longer have black moods when my bank statement arrives each month.

I am so please you are now completely debt free. Time to enjoy your life!!!

Glad you are sorted utilities wise Firefox. Its good to be owing nothing.

Paul

Great post Firefox, glad everything is sorted for you now.

Hope 2012 is a good one for you.

Thanks Firefox.

With a fair wind and a bit of luck we should be posting same in Jan 2016.

Happy New Year and best wishes to all.

Fabulously inspiring story, thanks for sharing and good luck in 2012!

Well done and what a great start to 2012. It certainly does make a difference and speaking from experience too, it really is a new start for all to enjoy !

We were with DFD too and had great support from them - nice to see they are still receiving positive posts.

EXCELLENT POST M8
gives everybody a lift when you see someone come out the other end.one day we will all look back and be proud that we had the common sence(eventually)to face up and kick debts ass.
HAPPY NEW YEAR

Thats the thing with this place,its full of people at different stages of journeys that are unique but in a way so similar its easy to understand exactly what one another is going through.

I dont know if there is any way we could pay back those running this site because without it many of us would be in a much worse state than we are.

Paul

Too true Paul and Firefox, a smashing post to read and good luck to you x

what an inspiring read firefox, hope you have a great year x

looks like 2012 is off to a great start for you, congratulations on being absolutly debt free, i love to read such posts.

Firefox what are you doing with your spare cash? I have never been a saver and wondered if anyone has ideas???

Paul

Lovely post that will hopefully inspire a few. How great it must be to be debt free. x