I'm a year into my IVA, I know i got myself into the debt i'm in and theres no-one else to blame but i feel constantly jealous of other peoples lifestyles and find myself wondering hw can they afford that, another holiday, its their 3rd this year, new car etc etc. Do other people feel this way or is it just me! I know these other folk are probably living off credit but at least they have nice things. I know its wrong to think like this. Sorry for being a moan but it helps.
Sorry you're feeling so down Mandi. I think we all feel like this at some point. It isn't good not being able to go out and do what you want.
You can hold your head up high and be proud of the fact that you are doing something about your debts and it's not that long until you are debt freed and will able to go places and buy stuff.
Everyone else will still be paying for theirs, and a good few of them will probably end up on here!
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
Mandi, I'm sure your feelings are normal, the odd time I'm wishing I could have this and that, get a bit down, come on the forum, read a few posts, look at life around me and realise I'm not in such a bad place.
Just ride it out I'm sure it will pass and remember we're all here to support one another. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
I enjoy a chuckle at the tesco checkouts when I see wallets and purses being opened and then a long pause as people work out what plastic to put this weeks groceries on!!!
Dont feel jealous of other peoples things,it would make you go mad!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
Thanks for all your replies, you are all exactly right. We wont be having a holiday this year and i think thats eating away at my insides when everyone else seems to be going away. But thats just jealousy and its pathetic really and must stop! Bet they are paying on credit cards anyway!!
Exactly! You'll be debt free in less than five years now, whereas they will still be paying for their spending!
PD, I know just what you mean with the checkouts. I can't believe some of them when they use more than one card!
Glad we've cheered you up Mandi.
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
In many ways I actually feel quite positive about being in an IVA. Sure, it means things are tight and I can't have the things I could before when I had access to credit, but the fact is that I can't get into any further debt like everyone else seems to be doing.
Above all it's taught me a very valuable lesson and, once my IVA is completed, I can quite honestly say that I will never take on any kind of credit ever again.
I don't think any of us can never say 'no more credit'. It may be for a mortgage, a car, mobile phone. However, we will all, hopefully, have learned a lesson and manage things much better.
I never want to be in this position again.
On the plus side, I would never have found this forum and I have made some very good friends on here.
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
I do think that regardless of individual earnings and financial situations that we all have a tendency occasionally to want things we know we can never afford. Thankfully, these feelings don't tend to last too long - and as Paul has mentioned, the feeling of being financially secure within our own homes will largely override those wishlists.
In my own case I would love to have a collection of Jimmy Choo's- but probably don't really have the feet for them if I am totally honest!
There's loads of things I would like but know I can't have at the moment.
Must admit I'm more UGGS than Jimmy Choo!
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
Mandi,
I can relate very much to what you say, We have been in a DMP since the end of last summer and transferred to an IVA in April, I miss all the things we used to do and have, holidays, buying clothes when we wanted, not when we needed them, just seeing something and buying it instead of having to plan for months to buy something. I was probably in a better situation than most as we never had the letters coming through the door and phone calls etc from creditors, we were completely up to date with all our payments when we entered the DMP, I knew that 2 months later we wouldn't be able to afford them so I took action before we got to that stage. It has still been a culture shock, I think hubby has probably adjusted easier than I have. All we can do is try and get through it as painlessly as possible,
If life is what you make it, I must have been in a strange mood when I made mine
Goosed - I wear my Uggs a lot, even in summer! Heels don't do it for me at all. Gladiator sandals are my favourite at the moment, as long as the weather is warm!
Pandy - can totally relate to your post. My clothes now are basic ones from the supermarkets or from Ebay. Holidays will now have to wait until the end of the IVA, but at least we can see the light at the end of the tunnel.
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
Hi Pandy, i know exactly what you mean! We've always had holidays, mind i think i've only ever paid cash for 1, they were always just put on the credit card. It took me a good few months to get used to no credit, it was such a painful learning curve. Its just so hard trying to explain to children why things are just not possible and family and friends when you cant go away with them.
I know i'm on the right track and there is light at the end of the tunnel .............. Though its a very long way off!!
I am lucky that both my children have left home (The eldest son works for a very well know holiday camp who wear red coats[:D]) so we might take advantage of his offer to get us a discount, for a cheap holiday later in the year.
I wish I have found this site before I took out my DMP as it gives such good advice, and just the fact you find out you are not alone, helps so much.
[:)][:)]
Last edited by Pandy on Sun Jun 13, 2010 4:25 pm, edited 1 time in total.
If life is what you make it, I must have been in a strange mood when I made mine
