www.iva.co.uk

i get paid on tuesday with my first iva payment due then. have just checked my bank account after my shop for next week and i have got £8.15 left.not much you may think but i am soooo happy . this is the first time in i dont know how many years there isnt a £3000 dr after the balance. i dont have to pay for my shopping on my credit card and then worry myself to death how i am going to pay for it. at first i was ashamed about having to have an iva but now i realise it is a lifeline and in 5 or 6 years i can start again debt free.there will never be a credit in my house again, the same goes for loans for stuff i dont really need, hopefully i will learn to budget for the things i need and my new motto will be-if i cant pay cash then i wont have it.

it is such a joy to be in credit even if it is only a few £'s Like others here the joy of finding bargains is great. I found my husband some everyday trousers in QS for £2 a pair and a biscuit jar in a charity shop for £2.

I don't honestly miss credit or store cards and if I don't have the money we go with out.
Good luck to you

Jan

This is a fantastic inspiration to all of us. I am desperate to sign into my bank account and not have a sick feeling before it has even loaded. I remember (not long ago) signing in and praying I was only 2000dr, this I WILL not have again. Even if I only have £1.00 left I will be cartwheeling around the room because that whole pound will be MINE!!

Good luck x

it is great to know what you buy is yours paid for by your money. I too used to feel sick before I checked my bank account or opened any letters. Now my post is circulars and rubbish nothing nasty. ( sorry for those still receiving letters from creditors) Life is hard and sometimes difficult and I worry about the unexpected and how will I manage but some how it works out OK.

Take care

Jan

I paid my car insurance today, I would have just whacked it on the credit card and not gave it a second thought until the statement came,then I would have looked at the avaliable amount of credit to spend and thought oh well I still have £2000,what an idiot.[:I]

Angleparkinn

I am sure we have all done it, its not real money is until the statement comes and they want the money[;)]

What is done is done.

Jan

I was the same. Everytime I had a loan to pay off the cards, I wouldn't touch them for a couple of months, then it would be 'just for petrol and I'll pay it all on payday',then it was 'I'll just let it run up to £500', and so on.

I love not having the worry of how to pay the bills, everything is accounted for, and, ok, we may not have a lot at the end of the month, but at least I haven't got to try and make it stretch.

It is great that my post is just junk, and I love not being frightened to ansswer the phone.

It's wishing my life away I know, but I love it everytime I can change my signature on here and put another payment on there. Be glad when it's the last one though!

I almost got into a fight at asda the other night. I was at the cash machine(using my electron card) and at the machine next to me were a couple who were trying to decide which credit card to put into the machine to get cash from. I tried not to but sniggered to myself and the guy turned and stared. 6 weeks ago that would have been us,juggling our credit cards to find money for shopping!!! Thank god we are heading in the right direction now.

Been there, done that and got several T shirts!!!!!!!!

Hi There,
Well done plasticdaft!! I know how you feel - I have visa electron and it fails so often!! Thank god for my other half Gary who has helped me out soo..... much....
Hugs,
Chardonnay