New member

[Happy]

Hi just like to talk to anyone who nows what its like to be in a IVA, hubby and I have been in our for 12 months,things going ok but its always nice to talk apart from my mum we hav'nt told any body else, but what a weight lifted of my shoulders.

Happy[:)]

[kallis3]

Hi Happy and welcome to the forum.

Glad your IVA is going ok. I've been in mine 6 months now and have never felt better.

You can come on here anytime and let us know your experiences and talk to us about anything and even have a rant if you like!

We're here for support and advice.

[Happy]

Hi Kallis3

Thank you for your prompt reply i think its great to talk.

Nicky x

[kallis3]

It is good to talk, especially if you can't tell many people about your situation.

My husband is also in an IVA, his two kids and our daughter know but that't it. Daren't tell parents, and no way would I tell work.

There are times when I would love to say something to somebody else, but at those times, I come on here and either make a post, or update my blog.

[pixie]

Hi Happy and welcome to the forum
it is good having somewhere to talk and not have to watch what you say! my parents know but only cus I still live at home! They tend to worry more than me though!
it can be lonely at times and the forum is a lifeline for most of us!

[moretolife]

hello happy...love the name...cheered me up a lot as i am feeling miserable anyway....
you are so welcome here and isnt it a good feeling to be 12 mths into your IVA...we are 25 mths in now and so far so good....

[Viki.W]

Hey Happy, welcome to the forum from me too. Keep posting, we're all here for you. X

[tori]

Hi there and welcome from me too! I've had my iva for 2 months now,and for me personally it was the best thing i could've done.I also made the brave decision to tell my parents about my debts,and the iva,and i'm so glad i did as they have been extremely supportive and a massive help!! Anyway take care and keep posting[:)] xx

[debtmountain]

Hello Happy and Welcome from me too[:)]

I'm not in an IVA, just in the process but I just wanted to say Well Done on getting through your first year and please keep posting,you'll get plenty of help and support on the forum, and even the odd joke as well[:D]

xx

[angelrainbow]

Hi Happy & welcome- Great to see a positive user name on here!

Have a look at the Frugal Friends Map on the forum if you are interested..you might find some people in an IVA close to you and you could meet up in real life an put the IVA world to rights.

[Happy]

Hi all

thanks for all the positive feed back, I have had a great day today ready them all. For me and my husband starting our IVA was the best thing we ever did, the thought of having a credit card now makes me feel sick, today is actually the first anniversary of our IVA, what a great feeling, for the first time we have not been overdrawn in a year, it was hard at first but I actually enjoy being carful with money.

Talk to you all soon

Nik X[:)]

[aguise]

Hi happy and a big hello from me as well.

Great to hear all is going well. It makes a great difference to be able to talk freely about things. Have a moan if you feel like it or ask if you are unsure about anything.

Just to add a little to angel rainbows post. Not sure if you are aware but we have frugal friends meetings every eight weeks or so. They are held in different parts of the country to enable all to get a chance to come. Have a look at the forum heading frugal friends xmas party, the next is in walsall and is looking like a great evening, lots are coming. This is our first xmas get together, so should be a great night. Please feel welcome to come.

Keep posting

all the best

Ang

[Happy]

I really am happy hope you feel more upbeat soon, yes it really is good to be at the end of our first year.

NikX

hello happy...love the name...cheered me up a lot as i am feeling miserable anyway....
you are so welcome here and isnt it a good feeling to be 12 mths into your IVA...we are 25 mths in now and so far so good....

[Skippy]

Hi Happy, welcome from me as well x

[debtmountain]

Happy 1st Anniversary Happy [:D]

xx