www.iva.co.uk

Yes I know it's a new year and a year closer to finishing my IVA but I feel so depressed at the moment,the whole send your payslips off,watch every penny and crapping it when the next electric/gas bill arrives and worry about the next MOT for my crappy car that you just know you might as well open your wallet and say here take the fluff as well.[:p]
It hasn't helped that I lost my dear dad in September and missed him around the Christmas table and it would have been his birthday on the 6th Jan.
Half way through this IVA and it feels like a life sentence at the moment, only good thing about this Christmas is NOT having any of them dreadful credit card bills to look forward to in January.
god what a moaning post.sorry.[xx(]

Sorry to hear about your father, not good at any time of year.

I love the fact that I don't worry about the card bills coming through the door this month!

I hope you feel more positive soon.

I'm sorry you're feeling sad right now and hope you soon feel better, it's hard to lose someone so close and the IVA can seem a long hard slog at times but in the end you'll be debt free and it will all have been worth it. All the best and remember we're all here to support one another. x

Sorry about your loss, bad at any time, but Christmas brings it to a head.

You are half way through your IVA, so on the downhill run now. That ight at the end of the tunnel WILL get brighter.

Best of luck .. keep strong

sorry about your dad angel,it is all down hill from here youv,e done the hard bit,try not to wish your life away but things will get better,the end result is worth waiting for.x

I'm afraid I do wish my life away!

I wished my life away for the last five years Jan, looking forward to the big R. Now its here the days pass far too quickly and there aren't enough hours in the days........

I am wishing hubby's life away is that the same thing LOL. I want him to get his pension in another 3 years so hopefully life will get a little easier then.

I try not to wish my life away but do look forward to when the IVA is complete. x

I do wish my life away at the moment! I want to spend quality time with hubby, and with his health problems that might not be too long!

Hi Angelpark, sorry just catching up on the forum n would like to say Im sorry to hear about your Dad passing away, hun.
I always get a period of feeling rubbish after Christmas. All the hype n fuss is over n then what! Another year arrives n we have to go through all the same motions n worries again.
But like me, your over the half way point so its down hill now Im quite looking forward to my yearly review, (not the paperwork, worrying bit!) BUT just so I can scream "only 2 more years to go!!!".[:)]

Jan you have got me worried now, I do hope you n the hubby are ok?!

so sorry about your dad.

I think it always feels like a letdown after christmas. Just think, it won't b long before you can you have less than 2 years left. And those 2 years will fly by. xx

Lyns, don't worry! He does have bad health problems but he has had them for years so I'm used to them!

I hate January and February - nothing to look forward to at all and even Easter is late this year.

No worries Jan! I thought I had missed something.

No, but thanks for the concern. He just plods on.

How is your other half?