Can you save for Christmas with Park whilst in an IVA?

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zoe182

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Post by zoe182 » Thu Jan 09, 2020 9:52 am
Hi I was thinking of doing PARK vouchers for next year’s Christmas shop as I struggled this year being in a IVA, I’ve been looking in to it and it seems a good idea, can you do this in an IVA or is it not acceptable? Thanks

disneygal

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Post by disneygal » Thu Jan 09, 2020 11:26 am
Why don't u just save the cash and put it into a piggy bank. Park is a con in my opinion. You have to buy from their over priced catalogue and there is always the risk of them going bust.

Foggy

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Post by Foggy » Thu Jan 09, 2020 11:49 am
As long as you purchase the vouchers from existing allowances it should be OK -- but I share disneygal's opinion on value.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
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mumof3

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Post by mumof3 » Thu Jan 09, 2020 11:56 am
I would just save the cash yourself. If you feel you will dip into it maybe give it to a trusted family member to keep hold for you.

kallis3

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Post by kallis3 » Thu Jan 09, 2020 12:00 pm
Get yourself a savings jar that can only be opened by smashing it and start saving that way.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

abbiesmum2003

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Post by abbiesmum2003 » Thu Jan 09, 2020 12:29 pm
Yes we did it for the whole of our IVA and still do now.
Its great. Really useful. It was notes on our budget under ‘sundries’ and was never questiined by CF at review time.
Its ok people saying just save the cash but we all know we dip into things like that. By doing the vouchers we were savings towards christmas and didnt have access to funds so knew we had £X amount coming in Oct/Nov. We were able to give them as presents or use them for own shopping.
You may have to do it
within your allowances rather than an allowed expenditure but ours were already in place and like i say was never questioned.

luluj

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Post by luluj » Thu Jan 09, 2020 3:04 pm
I would save via a friend or put the money onto a saver card for the supermarket you use. Certainly would be dubious about catalogue savings that then charge significantly more for things ... but each to their own and everyone is entitled to their own opinions
Sharing from experiences of dealing with debt

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abbiesmum2003

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Post by abbiesmum2003 » Thu Jan 09, 2020 8:25 pm
Lulu
The park vouchers arent catelogue things....you can pay for Love2shop vouchers and you get what you pay for.
We saved £450 each year using it each year during our IVA which was just over £30 a month or thereabouts.
To get £450 in Nov to then use in high streets shops was a godsend. Or we just slipped a £10 voucher into cards.
There is means of doing hampers and stuff which yes probably are pricey however the love2shop voucher worked out great. We have already made 2 payments towards Christmas 2020 vouchers!

kallis3

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Post by kallis3 » Thu Jan 09, 2020 9:25 pm
We do love 2 shop vouchers - just put them in a card. Can be spent on what you want.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

luluj

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Post by luluj » Mon Jan 13, 2020 3:10 am
Abbiesmum thank you for correcting me - I misunderstood the recent TV advert clearly!
Sharing from experiences of dealing with debt

There is a solution for everyone .... Just need to stay positive !

Look at my blog "All I wanted was a baby"
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