www.iva.co.uk

Been in my IVA for 8 months Now and having No Money sometimes can make me Right Moody!!!
What always winds me up is when my Parents or In-Laws come round and they all start Talking about Money and there Holidays and keep asking us are we going anywhere this year.
They don't even know that i am in an IVA and i would feel well embarrassed if i tell them that i am as i want it to remain private.
What also drives me mad is when i am trying to Budget with what i have got left something daft crops up like ANOTHER BIRTHDAY!!.
I used to be A TOTAL SPENDTHRIFT!!!

NOW I AM A REALLY TIGHT B*****D!!!!!

I get upset if i have to spend a Fiver thats how Tight i Have become in my IVA.
I am finding that when i used to Spend , Spend , spend i was always
Happy even though i was Kidding Myself.

Now that i am Trying To Budget my money and be sensible i am becoming Tighter and Tighter and any Money i Spend Makes me Incredibly Moody.

Does anybody else feel like this or am i going through Cold Turkey as Regards being FInancially Sensible.

i get really down andrew as well.. especially as all my friends have a fantastic tan.. I just keep thinking of being debt free at the end of it!! we had money in our savings which I have now had to replace my tyres after its MOT as it would not have seen the winter through on others.. so now skint again!! its like a vicious circle!!

but don't let it get you to down.. it'll be worth it in the end

Hi Andrew - you are normal [;)] I too have experienced a whole range of emotions since my hubby entered an IVA. Coupled with other things that go on in our lives its difficult not to get down about money, or lack of it. I've been updating my blog on much the same thing, weddings, Christmas parties and the like. Before the odd tenner wouldn't have made a difference, but now its like"Whoa where am I going to get that from". Especially when others don't know the situation we're in.

Like Angela says tho - we will be debt free and thats what keeps me going. I can't wait for 2012...not the Olympics, end of our IVA [:D]

At least on here we can share our feelings. x

I think we all have times like that. I hate hearing people at work talking about their exotic holidays when I haven't been anywhere for a while, and no immediate prospect of going anywhere either.

I get down when I am trying to juggle weekly spending with a birthday that I had forgotten about until I checked the calendar.

I just tell myself it will get better and each month is bringing me closer to that debt free goal.

But do you find that you are becoming Really Tight when it comes to Money and Spending.
This IVA has made me realise how important money is

VERY tight! I watch every penny and panic if something comes up I hadn't accounted for.

I like seeing that credit balance.

Very tight - I've joined the library and won't even buy a book for a charity shop. Now that sounds mean but they can charge up to £2 and I can get it free in the library!

I also count out my change in shops rather than break into any notes...annoying for those behind me but I like seeing notes in my purse [:)]

That was a very heartwarming post Wizzard.

So glad your wife is fine now, but you have been through the most awful time, and I hope things begin to get better for you.

Thank goodness for the internet, we can 'speak' to people on here when we want without having to see them if we don't want.

You're not a gobby owld sod Wizz - we love you!

Kallis is right Ray, we do all love you. Thank you for sharing that with us, I understand where you're coming from. I'm so glad we're friends.[:I] X

i love you all
would not be smiling through all of this without you all

This is such a wonderful place. I'd be lost without it.

i agree jan, my oh thinks i having an affair lol

[:D][:D]