I'm off on holiday myself to Corfu for a week in 2 weeks time with my girlfriend [:D]
We have got a late deal and I have really cut back the last 4 months to pay for it.
I saved my contingency fund, clothes allowance, really cut back on the food budget (eating cheap food has been nasty lol) and the big one was transport.
I saved a fortune each month by walking the 4 miles to and from work. But this is something I would not care to repeat lol as two 45 minute walks at either end of a 12 hour shift, 5 times a week was tiring and soul destroying, hopefully the week away will make up for it [:)]
1st payment Oct 2008, last payment Dec 2013. Certificate received March 2015 due to PPI claim.
Hi Kitty. I`m one week into my IVA, and the two weeks prior to my creditors meeting were quite an emotional rollercoaster, that`s for sure...You`ll be fine though, your creditors will take the best offer they can get, and that will be what you are putting forward.
lukeofyorkshire, I take my hat off to you...Enjoy your holiday, you truly deserve it after all that sacrifice and self discipline, it just shows what can be done if you want something so much.
"When the seagulls follow the trawler, it is because they think sardines will be thrown into the sea".
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