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Broke of London

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Post by Broke of London » Sun Sep 26, 2010 8:40 pm
Hi,

HELP - I am going through a rough patch and can't get my mind back on the positives. I think I had a panic attack in a shop yesterday...had to dash into a changing room and have a cry to make myself feel better.

Can anyone help with any more positives about being in an IVA???

[:D]Not being scared of the post and the phone.
[8D]Not expecting the debt collectors to come knocking.
[;)]Knowing that I can pay all my bills every month.
[:)]Being less in debt than I was last month.
[:D]Knowing there is an end in sight.

I think just writing these down helps and I might pop back tomorrow and read my own post even if none of you reply!!!!
 
 

Shining

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Post by Shining » Sun Sep 26, 2010 8:43 pm
Sorry to read you're down at the minute, remember we're all here for you for support and guidance.

All good positives there and I always like to think it's the biggest learning curve I've had in a long time and one I'm going to be a success at. I strive for my IVA conclusion and know that along the way I've met so many new friends on forum and off forum that have shared my journey to debt freedome with me and I hope are now a permanent fixture in my life. x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

love hope and strength

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Post by love hope and strength » Sun Sep 26, 2010 8:45 pm
This is a really good idea.

I'm just starting my journey I'm at the drafting of the proposal stage and my emotions are very very erratic at the moment.

I'm looking forward to the moment when my bank statement, the day before payday, says 0.01p cr and not 4 figures debit.

Hope your feeling better soon x
 
 

Broke of London

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Post by Broke of London » Sun Sep 26, 2010 8:56 pm
Hi Love Hope and Strength,

This is my first real "I cant cope" low since I started the process in April/ May last year so don't let my wobbly put you off.

Seeing my account in credit at the end of the month is a big positive and it is very often about 30p.

And thank you Lesley, the forum and people on here are great. Budgeting is a lesson I really needed to learn and one of the reasons I chose an IVA. The day before I submitted the proposal, Lloyds offered me an £800 o/d with my new account and I was actually tempted!! 5 years without access to credit is exactly what I need...cold turkey!

What doesn't kill you makes you stronger and all that!
 
 

plasticdaft

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Post by plasticdaft » Sun Sep 26, 2010 10:10 pm
No interest charges!!


Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
 
 

Broke of London

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Post by Broke of London » Sun Sep 26, 2010 11:10 pm
Oh yes. Virgin/ MBNA topped my league table with 43%. Thieving whatsits!
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