Oh Hara, don't talk like that - 59 isn't old. I'm going to my great aunt's 100th birthday party in October (God willing) - people are living a lot longer these days, and there is no reason that you cannot do the things you want to after your IVA - age isn't a barrier any more.
Lula, I understand what you mean, but like the others have said you will be debt free in 5 years - how many of your friends will be able to say that? I find it hard sometimes when the girls at work are going out and I have to say no, but they are all up to their eyes in debt, whereas the money I have is my own.
Yesterday is history, tomorrow is a mystery, today is the present - a gift to make the most of.
View my blog at
http://skippy13.blogs.iva.co.uk/