Happy xmas !!!

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Shining

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Post by Shining » Sat Dec 26, 2009 1:15 pm
HI Richard and a very warm welcome to the forum from myself. I'm sure you'll be of help to some of the posters on iva.co.uk.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

housing

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Post by housing » Sat Dec 26, 2009 2:02 pm
Hi Lesley,

Thank you for the welcome - will see what I can do

Best regards, Richard
 
 

kallis3

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Post by kallis3 » Sat Dec 26, 2009 6:10 pm
Richard - fantastic to see you on here.

You will of great assistanc.

Hope you and your family have had a great Christmas.
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
 
 

housing

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Post by housing » Sat Dec 26, 2009 6:31 pm
Hi Kallis,

Thanks for the welcome...

Yes, we all had a good time and no debt hangover - all within budget!! (Be a bit tight for a few days!)

You know, its strange, we used to spend thousands at Christmas - this year MUCH less - BUT a great time all the same [:)]

Speak soon, Richard xx
 
 

Shining

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Post by Shining » Sat Dec 26, 2009 6:36 pm
Hi Richard, I'm sure we've all had a great Christmas on a tight budget which makes it more satisfying, great to hear you had a good time x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Sat Dec 26, 2009 7:47 pm
Glad you had a good time, and it so wonderful to know that credit paid no part in Christmas.
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
 
 

housing

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Post by housing » Sat Dec 26, 2009 8:58 pm
Thanks Lesley and Kallis,

I have to say, it has been great to manage without the dreaded plastic, that made many of our lives awful - although, nobody held a gun to my head to say "borrow borrow borrow" - it was nevertheless too easy and probably still is from what I have seen in the shops over the past weeks!

If I live to be 100, I will have learnt from the past year and look forward to an even better 2010.

All I want now is some kind soul to employ me - C.V. can be provided upon request!! (joke)

Cheers, Richard
 
 

kallis3

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Post by kallis3 » Sat Dec 26, 2009 9:03 pm
[:D][:D]

I'm sure someone will employ you Richard!
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
 
 

Skippy

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Post by Skippy » Sat Dec 26, 2009 9:26 pm
Hi Richard, it's good to see you on here, you'll be a big help xxx
 
 

Shining

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Post by Shining » Sun Dec 27, 2009 8:11 am
Hoping you find employment very soon Richard x
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

bandit

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Post by bandit » Sun Dec 27, 2009 8:48 am
hey all,happy christmas to everyone.it has been different this year,every present bought with hard earned cash.makes you wonder how many people will be in our boat due to christmas spending.
 
 

Shining

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Post by Shining » Sun Dec 27, 2009 8:53 am
I would think there are a fair few wondering how they'll repay their Christmas Credit spending, have to admit it's a great feeling knowing in January there are no bills other than utility and the IVA payment for me.
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Sun Dec 27, 2009 10:34 am
It's a brilliant feeling.
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
 
 

Shining

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Post by Shining » Sun Dec 27, 2009 12:25 pm
I've just been for a wander around the town, the sales are in full force and a scarf I purchased for my daughter for a gift is now half price, I didn't look at other things, how annoying, next year Chrismtas can be on the 28th December in my house....only joking honest!

People are still buying loads...
IVA final payment left the bank on the 26th January 2013...looking forward to a debt free future.
 
 

kallis3

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Post by kallis3 » Sun Dec 27, 2009 12:32 pm
I've not been near any shops!

Will be nipping to M&S for some underwear though before the VAT goes back up!
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
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