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				Posted: Mon May 19, 2008 4:50 pm
				by Rachel198k
				Hello
Just wanted to post a message to say that I've made it to 1 year into my IVA.
My IVA was approved on 16 May 2007 and even though times have sometimes been a struggle, I got there and can say that my IVA has definitely changed my life for the better.
4 years to go - BRING IT ON!!!!![:)]
Rachel
			 
			
					
				
				Posted: Mon May 19, 2008 4:52 pm
				by Julie
				Hi Rachel,
Well done - just passed our 1st year too and even though its not always easy its better than the sleepless nights we used to have.
Good luck x
			 
			
					
				
				Posted: Mon May 19, 2008 4:54 pm
				by cfnc
				Congrats on getting to year 1.
We are just at month 2, but even though it is hard I am glad we did it.
Kirsty
			 
			
					
				
				Posted: Mon May 19, 2008 5:08 pm
				by luluj
				I have three months to go and then it is a year !  Time has flown by and I can guarantee a drink on the anniversary!  It has been a challenge - not a struggle, a challenge that has been enjoyable and something i can be proud of!  A whole year with no credit!  And I will have moved house twice in that time! Still smiling !
			 
			
					
				
				Posted: Mon May 19, 2008 6:45 pm
				by angela18
				ooh you must be so proud 1 down 4 to go.. sounds good doesn't it..
			 
			
					
				
				Posted: Mon May 19, 2008 8:44 pm
				by Lisa2009
				Well done on reaching the 1st milestone. All the best for the rest, im sure you will do it and the feeling at the end is fantastic xxx
			 
			
					
				
				Posted: Mon May 19, 2008 9:12 pm
				by facingittogether
				well done on reaching the first year milestone!
bet you are reaaly pleased!
love barb x
			 
			
					
				
				Posted: Mon May 19, 2008 9:44 pm
				by Viki.W
				Wow, Rachel, well done from me too. It's great to read such a positive post.  Good luck for the rest, Viki X
			 
			
					
				
				Posted: Mon May 19, 2008 9:49 pm
				by Soulgrowth
				Well done Rachel ... let's hope the rest go really quickly for you ... I just can't believe that it's nearly June [:)]
Debbie
			 
			
					
				
				Posted: Tue May 20, 2008 7:03 am
				by tinytori
				well done hun!! xx
			 
			
					
				
				Posted: Tue May 20, 2008 3:52 pm
				by worryhead
				Just want to say well done to you 

 I am nearly at my 3rd payment so cant wait till i get further. Its a shame that we kind of wish our lifes away, but at least we have alll done somethig to get out of the messes we were in, we all deserve a big pat on the back 

 here is to the rest of the time running smoothly 

 
			
					
				
				Posted: Tue May 20, 2008 5:20 pm
				by iva.com
				Dear Rachel,  Glad to hear your getting there in your IVA!  I just wanted to remind you about the review boards on our web site. You can leave a review of your IVA provider online for anyone who might find it useful - that is if you have not done so already.
Many thanks
Susan Macdonald
			 
			
					
				
				Posted: Tue May 20, 2008 9:32 pm
				by pixie
				Well done Rachel, your just in front of me! My first year milestone is tomorrow [:D]
This last year has flown by for me. It's great not stressing about how to pay the bills at the end of the month! It took me a while to get used to it, the budgeting was easy, getting my head around it was the hard bit! 
Roll on 2012 [:D]
			 
			
					
				
				Posted: Wed May 21, 2008 7:29 pm
				by emma_t
				Well done Rachel and Pixie it must be a great feeling[:D]
			 
			
					
				
				Posted: Wed May 21, 2008 8:07 pm
				by michael.t47
				well done
i just starting on the iva road just cancelled my direct debits