Some iva companies are more stringent than others. I was with Aperture and they just asked for my wage slips and P60. They never asked to see bank statements. If your income and expenditure drastically change when you do your review then they may ask for bank statements. If i had an annual payrise of approx £50 per month then i would offset this agaist slightly higher expenditure as my children grew up. ( more food, school trips, school uniform, higher fuel costs, petrol costs etc. )
I opened two Cashminder accounts. My salary ws paid into one and all my direct debits and regular expenses were paid from that. On pay day I would leave enough in that account to cover the bills and transfer the rest to the second account --- this was the "housekeeping" account. In the first year I then used to draw the housekeeping allowance in cash and shop with that on the basis that if I didn't have the cash in hand I couldn't spend it. It took me a while to have the confidence in my debit card again !
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