My best christmas presents were nice feelings!!!
1) This time last year - all my presents went on plastic, this year since my IVA was accepted, I had bought small gifts throughout the year, and was grown up enough to say to my sister, can we not buy for each other this year. Also we decided as a family to have a bran tub (secret santa) and all put £10 in and we drew names out of a hat and kept it secret) - it was really fun watching everybody open and guess who had bought them!
2) I had the great feeling that financially even though it is very tight, I had budgeted enough and wouldn't be skint upto Christmas or in january!
3) this time last year I was scared what to do and thought I was going to lose my home for me and my daughter, this year I had no worries and can look forward to 2012 with clear head and even better at bargain food shopping!!!
IVA accepted 31.05.11 and 2 reviews DONE!!! Wow,nearly approaching my third. can't believe how time has flown!
December 2015 - made a one off payment and made a settlement of the IVA!! recieved certificate in May. - all completd and now I can get on with my life